hi thanks for your info ...i offered the 550 no lump sum as i can use that in other areas...then they informed me that the arreas had increased as i had missed a payment and was i paying the lump sum hell no i wasnt so now i have a revised figure of 580 per month that will clear the arrears in 3 years....so now i need to make it my priority payment each month Thanks for your info(posted 7280 days ago)