I had a credit card company and the maximum limit of £1500. I got into trouble and the balance was around £1500 and couldn't meet the monthly payments. The company jumped on me and started adding nearly £100 per month interest and charges and this escalted and the balance ended up £3300 last year! Even though I thought this was unfair I got a letter from their solicitor's about court, I contacted the company and agreed to pay £100 per month. For many months (8 or so) I was paying the £100 until this month I missed a payment. Almost imediately I got a letter saying they were taking me to court, looks pretty official, but there is no date to appear, they say I will recieve a court summons. In the first instance I think the charges were unfair! Having said that, I bit the bullet last year and agreed to pay, but missed one payment and now face court! Are the charges unfair? Should I contest? or if I go to court would I be ordered to pay? etc etc Can anyone offer advise????