i really need some help here, i have been informed by a debt coll agency that because i have let my d.d. lapse i should make an offer and then if accepted it would be better for me if i set another direct debit up by using my debit card i am completely thick with regards to banking and anything to do with finances but i have NEVER heard of this before and am worried he may be tricking me into locking myself into something i will be unable to get out of or even taking more money from me than needs be, please is there anyone out there that can help me, i am pulling my hair out here and i HAVE to phone him tomorrow, to let him know about my incomings and outgoings, i am disabled and have not worked since 2000 since the start of heart trouble, so there is no chance of getting more finances from anywhere plus i am nearly 60 so even if i were fit i am well over the hill in the job prospects but i do feel like i am being bullied even tho this guy spoke nicely top me and apologised for the way a female colleague spoke to me 2 weeks ago, not trying to offer me help and just telling me i should get it sorted out and it was my problem and she didnt have to do anything to help me, i did tell her how thick i am regarding money and that i didn't have the first idea as to how about getting help on my side, all i got was '' tough ''

so please i would appreciate any help that may be offered, regards - peewee59