Hi everybody. Hopefully, you knowledgable people can help me, I'm about to set off into the unknown with the unscrupulous people at T.B.I Finacial services, their dreaded mortgage department. I'm really sorry, this is a little bit long and convaluted. A few years ago, myself and my partner took out finance with HFC bank for a double glazing loan to get the windows in the house sorted. In a nutshell, we defaulted on payment and due to the fact I lost my job, the debt went all the way to judgement which ended up being about £2,100. As silly people sometimes do, I ignored the problem hoping it would go away, but it's snowballed, Then these TBI people got involved and thinking ignoring them they would go away, they eventualy went after the house and got a final charging order. What worries me, is that the interest they are slapping on is wiping out the £30.00 a month I agreed to pay them and then I stopped for a couple of months to try and sort this out but wasn't sure how to go about it. I questioned the steep interest that had been added to the debt after judgement and the guy emphatically told me that they are within their right to charge interest after judgement as it was contractural, and the debt has spiralled to £5,500. TBI have threatened to escalate the order if I don't continue to pay them. The person I spoke to was very rude, and said to me, "don't even think about taking us on" you can't afford it! So, I'm back to paying their £30.00 a month (and they also say they are doing me a favour letting me pay such a low amount). I just feel like they have me by the short and curlies, I'll be paying them for the next 20 years at this rate. Please can someone help me, this whole thing is just getting ridiculous. I have (yesterday) sent a template letter requesting that they send to me, a copy of the original credit agreement although I'm not sure what I'm going to do with that when I get it. I'm trying to sort this out on my own because I don't earn a lot of money and can only just meet my mortgage commitments each month, so I'm feeling around in the dark. I've been inspired to ask this site for advice because of the horror stories I've read on the internet about TBI and the unauthodox methods they use. I'm trying to manage this problem now, albeit I have left it late, but I really need some guidance on the correct procedures/steps to take. Thank you in anticipation of any help your members can give me. Just one more thing, IVA and personal bankruptcy is not an option, I do not want to even consider that. Thanks