Dear CAG, I have some ongoing repayment plans with various PDL companies. These total somewhere around £115 a month I also have an overdraft with Halifax which is costing me ~ 90/month (next month will be more as I went into unauthorised when last months charges were added). As you know it can take quite a bit of negotiating to get these plans setup. For the past two months I have been receiving JSA at the grand total of £280. My rent is £300 which I don't get housing benefit for unfortunately. As you can see I am already in a defecit (though my rent has been getting paid one way or another and I have been managing to eat and pay electricity etc) Can I re-write to these PDL companies and offer token £1-£10 p/m each until things get better? One of them Lending Stream I have just been sending £5 the last couple of months instead of £35 and they haven't chased me over it (put it is showing as x months late on my credit file). I did contact them saying I couldn't afford 35 anymore and they wanted me to call but I didn't. If I am paying something towards them they have to accept it surely as I simply don't have the money? Secondly this overdraft issue; the fees each month are killing me. I want to ask halifax to freeze interest - would this mean defaulting first? Preferably I get the balance frozen at a point before too many months of charges are added. I don't mind getting defaulted as my credit record is such a mess and will be for 3 - 6 years or however long these things take to drop off. Thanks for any advice