i think i put my post wrong think banking ar ok on thereselves its when you have a debt management with them its different i had 6000 debt 3 years ago i coundnt get a iva as it wasnt over 10000 ,anyways three years later they said i would be debt free well three years have gone by and people who have a debt management will no you do not get with your statement who they are paying, a total amount left u owe no thats gregory penningtons little bomb shell as three years later i still owed 5389 pound beleive it or not i got from gregory penningtons with a local county court and now all i pay is 10 per month for two years finished . we all live and learn i supose but i will agree since penningtons went with think the bank got better as they were with the rbs but ask for your total amount often beleive me ive been there thanx jason.