can someone help me please. i have a debt with b/c , £1550. i have lost my job and can not aford the min, payment, i have ofered £12 a month , mersers and b/c have said this is to small, and wont acept it, and they have said they will go for a ccj. i am trying to avoid this, at all costs , is there any thing else i can do, or will they pass this debt on to someone else, thanks for any help