help with black horse issue on secured loan

robho1

hi hope this is in the right section i have a problem with black horse finance and require some advice please i am currently in arrears with my secured loan with black horse finance i originally put an agreement in place to pay £250 a month of my secured loan which was to cover my payment and arrears and was told no further charges would be added to my account low and behold the following month they slap a £30 default charge on my account and £100 a month interest i am also expected to pay my monthly payment £150 and £100 of my arrears taking my monthly payment to £380 a month i have recently lost my job and i am unable to pay that amount i written to them in February explaining my finances and asked if i could add the charges to my account so i can go down to my minimum payment or if i pay some off my arrears can the interst and default charges be put on hold so the monthly payment i can afford to make will actually clear my debt instead of more charges being added anyway 3 months had passed and they did not respond to any of my letters i did send them recorded delivery and i did keep copies finally after 4 months they have responded but still not responded to any of points regarding my arrears and financial status just a letter stating they have received my complaint and are dealing with it they will not respond to my problems but continue to add charges monthly i have tried very hard dealing with this company to resolve this issue but they they keep stalling and adding charges i cant afford my mortgage was a similar situation but after making regular payments i have now cleared my £3000 arrears if black horse could only do the same could anybody advise on my best options or if they dont agree to adding the arrears to my loan i cannot afford to stay in my property what action could i take next thank you in advance