thanks rich and kallis yes ive looked at the form it looks easy so going to have a look 2nite when i finished work bailiffs sent a letter again sending a van round cab rang them yesturday for me ive been paying 120 and not missed a payment but they want 200 pound so scared cant wait till 26 to go br do you think the court or or will phone them that day and tell them to leave me alone so scared i know how your wife feels my daughter hates me going to work i tell her to lock door after me and dont answer it shes only young and i feel im putting her through this becouse i couldnt cope with my money