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Screensize: 640 x 480 800 x 600 1024 x 768 1280 x 1024 UserName: Password: Format Mode: Basic  Help  Prompt  Format: Font Andale Mono Arial Arial Black Book Antiqua Century Gothic Comic Sans MS Courier New Georgia Impact Lucida Console Script MT Bold Stencil Tahoma Times New Roman Trebuchet MS Verdana   Size 1 2 3 4 5 6   Color Black Red Yellow Pink Green Orange Purple Blue Beige Brown Teal Navy Maroon LimeGreen Message: * HTML is OFF * Forum Code is ON Smilies [quote][i]Originally posted by tracy_b[/i] [br]Hi, Just wondered if the creditors get an opportunity to slag you off to the OR. I'm getting worried cause at the moment i am not answering any phone calls. I wrote to the creditors informing them that i could no longer afford the minimum payments and offered on a pro-rata system. I have only received 4 letters back- all of them negative and all saying they will hit me with a default notice. I am going BR 9th Oct. Just worried what the OR is going to say to me. Tracy [/quote]   Check here to include your profile signature. Check here to subscribe to this topic.