Hi, I've been paying off a credit card that i defaulted on for about the last 18 months, paying a regular payment of £75. I now have only one payment of £78.50 left outstanding but unfortunately my financial situation is such that i'm not able to pay it straight away. The card company, Vanquis, passed it onto a debt collection agency, 1st Credit. the balance stayed at £78.50, this then went onto another agency, DHS, still the balance stayed at £78.50, but then it went to an agency called C.A.R.S and suddenly they want £84.19. is it possible for one agency to not add charges but another to add them on? i've read about C.A.R.S and lots of people have had problems with them. is it possible they might have just whacked on some extra money for the sake of it? because they're excuse is that that's the amount that was passed onto them. If anyone can advise me as to whether i can dispute this it would be much appreciated. Chris