Hi there, sorry to sound like a broken record and i have had a look through some Opos/Mini Credit threads on here, but i need some tailored advice. My account has already been passed through to Opos. I contested charges with Mini Credit, but of course they refused to waiver the charges. Opos emailed me yesterday to get in touch with them to start the process. Firstly, before i call them, are they known to be rude/not very understanding? i ask because i need to prepare myself to deal with them as I'm not very strong-willed/minded when it comes to such things which will make it easier for them to screw me over, and i fear that i will just pay back what they ask instead of standing my ground- which i know i should do. Also how would i go about bringing the figure down, and paying just what i owe, as opposed to the charges they've added (yes i know if i paid on time i wouldnt have to pay those charges, it is my own fault, but it would really help if i could minimise it) this is the information Mini Credit sent me: We are able to accept the amount of £1064 as a full and final settlement repayable under a payment plan through our debt recovery partner. The settlement balance consists of the original repayment amount £400, interest of £584 and the overdue penalties of £80. The contractual interest rate is 1% of the principal per day from the date of issuing until default date the 120th day overdue. The first overdue penalty of £25 was added on the 3rd of June 2012 and the second overdue penalty of £55 was added on the 5th of June 2012. The above described overdue charges and interest is in accordance with the Loan Agreement. What of that can I ask to be taken off the settlement plan? and how would i go about this? Am i allowed to tell Opos to bring the figure down? and if i cant pay back the reduced amount in full there and then, does anyone know if i'll still be allowed a payment plan at the reduced amount? *headache* I think that will be all for now, would really appreciate the advice guys. cheers *edit* also can anyone give me any jargon i can blurt out so when i call them it sounds like i know what i'm on about please