My friend has a HP agreement with alphera which she has been paying off since 2018. During lockdown she was not able to make payments for approx 9 months.   She restarted payments at some point in 2021 when Alphera increased monthly payments by £14;   in Feb this year Alphera have sent her a letter stating that she owes approx £2600 and on calling them, she was told that she can only set up a payment arrangement over six months which means she has to pay £400 pm which she can