Hi there, Just a few questions in relation to my cu loan. I'm new here and am delighted to have found this forum maybe someone can offer me some help and advice. I'll try and keep it short and simple.. -I took out a loan of €18,000 in May/June 2008. Repayments €374 a month -From Oct 2008 i as unable to pay the loan -2009- guarantor called into play- nothing she could do re payment. Her a/c frozen-no withdrawalls allowed -May 2010 I'm in a position to pay, circumstances have changed. My father went to cu to negotiate on my behalf- i was not in a good place personally and not able for those kinds of meetings -Agreement made €100 per week repayment. €5200 per year. -i signed nothing -From May 2010 to present my loan has been paid under these new terms, never late, never a problem. Now things have changed. I lost my job in Dec 2011. No reduandancy as wasn't working there long enough. Had a few €€€'s saved so managed to pay cu for Dec, Jan and Feb. Last Oct I questioned the interest on my a/c as i found for every €100 i was paying €75 was interest. I had a meeting with the CU manager and was told under no uncertain terms that i'm lucky they didn't take me to court, i signed an agreement at the agreed interest rate (9.6% i think) and there is a price to be paid for borrowing money that i am walking around with other members money in my pocket. That what i signed and agreed to was what they were firmly stiking to and there is no way they would budge on interest rate. So now i am broke, still awaiting socilal welfare even if it does come through all i'll have is €188 a week. I am wondering if I should take the same approach as they did with me...I signed to pay €374 a month.I can no longer pay any more therfore will not and cannot pay any more then €374 a month. I can get some money from my boyfriend to supplememnt my income so i can pay the €374. Also, last oct the cu manager point blank refused to move my €2056 shares into the loan a/c even though this was costing my €174 a year in interest to the loan while gaining pratically nothing in the share a/c. Any advice greatly appreciated.