Credit union

Janjel

I was on a debt management plan about 4 years ago, one of the creditors was the credit union. The debt managment company i went through was so bad I ended up having to quit if 2 years ago and make settlement payments to creditors direct. I ended up in a lot of debt after being in a violent relationship and partner ripped me off - I got some money back from him eventually and paid creditors from it.

I assumed the DMP company were making payments to credit union as they listed they had - I did not hear from credit union whole time so assumed they were fine with agreement - about a year ago they contacted me to say they had not received any payments from me in over 2 years - i asked what was outstanding and they told me £500 - i paid this over 10 months as this was all i could afford and thought i had cleared this debt now they are saying that I owe an additonal £450 interest. If they had mentioned this at time I could have increased my payments a bit to allow for interest. I offered £225 to them as I feel interest accrued is partially their fault for not contacting me for 2 years and ignoring letters from DMP. DMP refusing to give back any money as I cancelled contract with them. This is such a mess now Credit union want me to their offices for meeting which I do not want to attend as feel they will intimidate me - cannot afford what they are asking and am borrowing £225.

Sorry for rant but really need advice.