Hi, I was amazed by the forum and whilst it does not help me at the moment it was helpful to me to know that there are other people out there with the same problem as myself. I had a credit agreement with this company October 2004, did not realise I was signing or a 5 year agreement (liked the car, very stupid of me not to look at the finer details). Until 18 months ago everything was fine until my husband got registered disabled. Money was tight. Boy did we have fun with this Company. Sorted them out eventually, then the middle son left his job (under a cloud but not his fault - later the company settled out of court) however we supported him for 6 months and are still struggling slightly. The main point is that October 2007 I was late for that month's payment, texts, telephone calls (mobile and landline) 7 per day. It is happening again this month as I said we will be able to pay January 18th however because I will not give them my bank card details, every day telephone calls, texts, I have now turned my mobile off and am using a spare we have. Legal advise have told me to report harrassing calls to Office of Fair Trading which could take up to 14 days, I have also made enquiries to the police as they seem to think it could be criminal action. How any anyone got on with their problems.