Sorry to sound a bit thick. If I mention this to payplan they won't suddenly decide to fail me, just readjust the shares? It is a massive difference, at the moment they are stated at nearly 35% but should be 5%. It would reduce my balance by 25% and allow a far greater chance of clearing the debt, w...

I'm nearly at the end of year 2, been given a payrise so gone through income expense and got it all sorted satisfactory (I'm with payplan, so this has been unusual). I've been given a copy of all the details, and when looking through the creditors one is vastly inflated. I want to point this out but...