Hi, Just to let you know that I know exactly how you feel, I am in the same position as you still are or was. Can you please let me know if you managed to resolve the matter, or are you still fighting it. After reading your thread, i got even more annoyed with picture/idem as i am still arguing my case. I only over about 12,000.00 on my loan and then hit problems and my interest was also frozen, yet idem still backdated the interest and i now owe around 40,000. Please let me know how you got on. Helsby