I ran into some financial trouble some time ago and therefore I could not keep up with my full monthly installments. I sent an e-mail to Head Office to explain the situation and I said as soon as I am back on my feet financially, I will make higher payments. Every month the customer care STILL phones me and says that I need to make higher payments. I explained to them time and time again that I CANT make higher payments because I CANT afford to make higher payments yet and when I can I will. I just received a call from Attorneys to say that my account was handed over to them. WHY ON EARTH WAS THIS DONE AFTER I MADE PAYMENT ARRANGEMENTS. Is that not what PAYMENT ARRANGEMENTS is all about... So that the account does NOT get handed over. If I did not keep in touch with Hi Finance or if I did just not make any payments, then I would understand why my account was handed over. I will NOT be liable for ANY lawyers fees. I will pay what I am supposed to pay and NOT a cent more. Do you people just NOT have any feelings!!!