Credit card debt

dee.t0364

I got in trouble with an HSBC credit card when i gave up working due to being diagnosed with an incurable disability. The amount i was left owing on the card including the interest and non payment charges came to £1,800. Even though i was on Disability Allowance i made an agreement with the debt agency to pay £20.00 per month. Now i have received a letter saying that the agreement has expired and they are requesting that i now pay more per month. How can i avoid this when on benefits because i cant really afford the £20.00 per month as it is but they wouldnt accept any less at the time. In reality, i can only afford to pay £10.00 per month but even though they know i am on benefits they are refusing to accept less than £20.00 per month.
Is there anyone out there who can give me some good advice as to what to tell them so they do not take it to court.

seeya23

i would go to cab and what they say

and i would post on here
http://forums.moneysavingexpert.com/forumdisplay.html?f=76

cifpower

Have you submitted them a Statement Of Affairs (SOA)? If not, do so. If you are able, I would continue paying the current £20pm regardless of what they say. Whatever you do, do not have a break in your payments.