I am repaying a debt through 'past due credit solutions' (Original company owed 'British Gas') I have paid every month although a couple of times I have been a day or 2 late in making payment (ie: if payment date has fell on a Sunday so paid Monday) My payment was due on 29/10/12 but was working and completely lost track of date so I rang on 31/10/12 to make my usual £30 payment. I was told i would need to go through an income and expenditure so proceeded to do this. after listing everything i could off the top of my head (along with trying to keep 3 children quiet) I was told that my disposable income was too great to continue paying £30 and I would have to finish the account in 2 payments of around £94. I would just need to add at this point that this company do not take into account some things that need to be paid out like personal bills and what they consider to be ''non-essential'' items (even if it is genuine payments). I couldn't understand the figure as it seemed way too high and I knew I did not have the amount left over ''to play with'' that they thought I had. Oh they also don't consider clothing children as essential!! Needless to say this call ended in frustration with no payment being made as my £30 payment would not be accepted. After terminating the call I decided to dig out some paperwork to try and see what I was missing as I knew I didn't have any income left over at the end of the month. I found some wage slips and realised I had over estimated my wages from employment a nd had missed off my mortgage payment (I rent a larger property to accomadate my children and pay a mortgage on a smaller property that my sister resides in), my sons nursery fess had also been overlooked. When I rang back and explained this oversight I was advised that my payment plan could be reinstated if I called the following day once it was the start of a new calendar month. I rang the following day and was told by a manager that she had over ruled the previous colleagues decision and demanded that I make the payment of around £94. As you can appreciate that sum is 3 times the amount I had been expecting to pay and simply did not have access to this amount. I literally have about 5 payments left to clear this debt and really want to do so but am unable to do it at the amount they are requesting all because I rang 2 days late to pay. Can someone please help as I am getting nowhere with this company (the manager I spoke to was very judgmental, patronizing and unwilling to listen or accept my payment) and I really do not want extra costs adding as I am so close to being free of this debt!