I have recently started a debt management plan with Step Change who are in the process of speaking to all of my creditors. I have a £300 Barclaycard debt which is being handled by Robinson Way. I received this on Friday and wondered if anyone could shed any light on what they actually mean. NOTIFICATION OF A CHANGE TO YOUR FINANCIAL CIRCUMSTANCES Recent activity on your credit file suggests that you may have made a significant payment to one of your financial accounts. In view of this we would encourage you to contact us to agree an affordable repayment plan. Any help would be appreciated Thank you

I didn't dx, sorry. I won't be speaking to them again. Everything will be dealt with in writing from now on. If they turn up to my house, I will film them and tell them I will be contacting the police and also taking it further. I will let you know if I receive anything back from the letter I sent again, plus if they accept my offer od payment

Hi everybody, thank you all for your help on this. Since I put up this post I have continued to receive calls every day and finally answered one to confirm I want everything in writing and and home visits to stop as I had put in writing to them. Again a quite rude person told me they can come on to my property any time they like as I signed a contract with so they can do what they want. I have paid a lot of money off all of the items and want to keep them. I am not unwilling to pay for them but just want to reduce the payment to something I can afford. I have just sent another letter (the same one I sent before) revoking access to my property and stopping calls, confirming everything should be dealt with in writing. I will also get some letters done to send to the ombudsman if it carry's on. The problem I have with them is that they don't seem to deal with anything by the rules. They ignore everything you tell them and STATE this is what you will do and you will do it how we tell you. Really getting me upset now

Hi everybodyl, new on here and have a big problem with Brighthouse. I currently have 5 things with them up until recently could afford the weekly payment. 8 months ago found out wasnt really well and currently cannot work Going back to Brighthouse situation, I have explained this in a letter to head office and the store and asked if I could pay what I can. My original payment was 58 per week (so stupid of me to get to that) and I offer 25. I also asked them to send me a detailed breakdown of what I have left to pay on each product. I also said I wanted contact in writing and didn't want to speak to them. Since then which was 5 weeks ago I have around 5-10 calls a day and have had 8 home visits. In my letter I told them not to come on to my property and to stop ringing me. I asked vodafone to send me a breakdown of my calls and so far I have had 190 calls from them. I am so worried and can't get to sleep at night. I have a butterfly feeling all of the time which isn't good fir me at all. I really don't know what to do. I rang them to tell them to stop ringing and calling at my house and send written info on waht I need and they just state that I signed with them they can do what they want. I also asked if I could make the payment I offered by card there and then and they refused. I would really appreciate any help and so sorry for my story Thankyou