I now have debt collectors phoning all hours of the day and night. I live with my landladies and they are obviously not very happy at all about this, and it is affecting that. I have letters through the post every day threatening court action. I no longer have my bank account, nor indeed can I open another decent account. I have sent HUNDREDS of e-mails to Harrington Brooks only a handful have ever been responded to. I am no longer credit worthy and I am being hounded by the companies I owe money too and I cant cope any longer.

Harrington Brooks advised me to send all post to them; I have done this, but they never seem to deal with it. I am accruing HUNDREDS more pounds in interest every month. I am terrified of the Court action which is inevitable. Please help me. I am in financial ruin just because I thought I was doing something positive about my finances. I attach just the latest e-mail correspondence with H.B., which I would be grateful if you could take a look at. Please note the point about the bank having to refer it to a debt collecting agency for the first six months I was never advised of this point before if I had been, I would never have signed up to this so called debt management company. I dont know what to do anymore.