Hi, I have been paying a reduced amount to Friends First for about a year. While I have been paying, from day one, I've never missed a payment. But the reduced rate is still nearly 300 per month. Crazy and I can't keep it up. Anyone have any experiences in this regard? How will my new request for a mark-down of monthly payment be met? Should I send a letter saying , sorry I can only pay x amount now....or write a letter asking if its ok for me to pay x amount. They take it out of my bank account so maybe I should reduce the payment at this end, with my bank? All thoughts welcome.