Hi there, Im not sure if im posting this in the right section, im not really sure what it comes under. Me and My husband have a lot of debt outstanding with a man who has set up a finance business, he does cars on a pay weekly rate, repairs to cars and loans again on pay weekly rates. in total we pay around £185 a week back. (i know it was foolish, but when your in desperate need for money and hes willing to loan you money with no credit checks, and doesnt show on your credit file its a slippy slope) Now we are struggling to pay this money at times, and some weeks we cant pay full amount, sometimes we cant pay at all, and obviously he is getting very annoyed at this, he puts late charges on the accounts etc, but hes been known to be very violent and verbally abusive. he tells everyone hes well in with gypsies should he ever need to use them because someones not paying a debt. Now we have asked him once of we could reduce payments, which give him his due he did do, but he put alot more intrest on top of it. Then he offered to help us out with fixing the car which we stupidly accepted as its a taxi and we were having a few financial problems, whch of course resulted in more money each week. I know we've been idiots, and im not trying to get out of paying this debt, but at the minute its a vicious circle, we default, intrest gets added, etc etc. what can i do, if anything to get him to sort of consolidate the debt and freeze the intrest so i can get this stupidly huge amount of debt paid off and gone, but at a rate that i can manage? Any help would be much appreciated, Many thanks, Danielle.x