I got into debt at a very early age - Natwest gave me £15,000 worth of credit at the age of 18 when I was working part time in a bar!

These debts include a current accout, student account, £7000 across two credit cards and a £6000 loan.

I have been making continuous monthly payments to the account since 2004 - initially starting at £15 per month but for the last 2 years they have been £25 per month. In December 2008 I was contacted by Unidebt (A Natwest operated debt collector) who advised me I had to increase my payments regardless of my financial situation as my monthly payments no longer covered the interest being added to the account. I was completely unaware interest had been added for the last 5 years as Natwest have been aware of my financial crisis since 2004 and I have not received a single statement from them since. I complained to the Financial Ombudsman and Natwest agreed to keep my payments the same and stop interest on the accounts for 6 months.

Now 6 months on they want me to either fully repay the debt or make substantially higher repayments - my financial situation has not changed and I can't afford to do this.

I have also noticed interest has been stopped on the current account but not on the student account - I have the letter as prove they said the interest would be stopped on both.

I admit I have operated with a 'head in the sand' mentality for the the last few years but after going through statements they recently sent me I was alarmed that over £4000 of the debt they claim I owe is charges and interest alone - more that a third the orginal debt. I have already complained about the charges a couple of years ago and the PPI on the loan but still awaiting decisions from the courts.

They are now threatening to obtain an attachment of earnings.

I have been making monthly repayments thinking I was attempting to clear the debt but unaware that Natwest where adding interest and getting into more and more finacial hardship. Why they gave me so much credit at such as young age when I did not have a well paid stable job is a question I've asked and been ignored. I would be grateful any advice anyone can offer me.

I have received a letter from Triton Credit Services who I have never heard of before but assum it has been a name change from Unidebt.