Hi guys, wondering if anyone can advise...sit ya self down get a coffee as this long winded !!! My son 22, had not long returned from Afghan where he was serving in the Army, and was involved in a serious bike accident 18 months ago and has resulted in him being physically and mentally injured to the point that he is being medically discharged from the Army. Part of his mental injury has resulted in memory loss, deep depression (to the point of attempted suicide). Some how he has managed to rack up debt with all of the above companies. He was living with his girlfriend but has since moved home and I am trying to sort out the mess that he is in. He has taken out pay day loans with Peachy, Quick Quid, Cashfloat and 4no with Lending Stream. He has also had goods from Very and Littelwoods and his account has been passed on to NDR (in house debt collection). I have contacted them all and advised them of his situation and that he is experiencing hardship. QQ have agreed to a payment plan which I am happy with but Lending Stream have totally ignored the phone calls and sold the debt on to another company because I have questioned if they had done relevant credit checks etc. Are lending stream right that they had 4 lines of credit for my son?? Is that legal?? Peachy when questioned regarding the affordability of the loan and credit checks have also sent the debt to a recovery agent. With NDR I have offered to pay for all goods but no interest or charges which they are refusing. Total amount £720.00 offered £530.00 £72 charges, rest interest. Can anyone advise me please... Thanks in advance