I had a similar problem to Lorry, but I noticed it after six months, UB ignored it and sent me 2 bottles of red wine (I only drink white). 18 months later they came back with the 4 options, I opted for a payment break (which was allowed in the contract) and then the repayment over the original term plus interest free on what they didn't collect. I am now paying 25% more on what I would be paying if they hadn't made the mistake. This is unsustainable for me, but I do not want to lose my tracker. I want to restructure, most people I talk to say they won't or I will lose my tracker. Does anybody think that some of the concepts in the URL posted by Raging Bull (uncollected amounts can be written off if the whole thing is their fault) can be used in an argument to restructure. Comments would be appreciated