Thanks Melanie, feel a bit more hopeful now!

Thanks for the encouragement, its all been a bit of a nightmare! I've worked out that the original agreement meant I was paying 32p in the pound and if its reduced to what I think it should be, will be paying 22p, thats still vastly better than the 9p they'd get if I went bankrupt, so hopefully will...

Since my last review I have been made redundant and although have now found another job, I'm earning about half of what I was. I have moved into a shared flat to reduce my outgoings, but my left over income is now half of what my payments for last year were. I've only missed one payment by using wha...