Hi all please can anyone give me some advice before i contact them. I got a new boiler from b/g in 2007 and they financed it with w/f i was paying £68 pm but now i pay £80 pm. I have been paying every month but now my hours have been cut at work and i cannot afford the monthly payments and i was going to get in contact with w/f to see if i could reduce my payments to £20 pm but i have read all the horror stories from people who try to deal with them. my question is can i reduce my payments and ask for the interest to be frozen and can w/f add other cost on to my loan like missed payment fees and fees for sending a letter. any help will be most appreciated kind regards michael Just a bit more information for you. I got a statement from from them in November and it had default sum interest on it. i did miss one payment about four years ago but i increased my payment and it is well payed off so i dont understand why i am still paying default interest. i did phone them up and they said i will still be getting interest on the loan as i defaulted on it.my monthly payment was £69 pm i have been paying them £88 pm for the last three years i keep getting phone calls from them asking me to increase my payments so i dont think they will accept a reduce payments even if i cannot afford to pay them the full amount. one more thing when i took out the loan they said my last payment will be on november 2017 now they say it will be march 2018.