That's disgraceful! I would be contacting her superior about that - you may be in debt, but you're still a human being. You could possibly even contact the relevant ombudsman, it's not a question of whether or not you're gonna pay, but you should absolutely not be treated that way.

Also, have you thought of contacting someone like Fox Symes? Their ads are always on here - they use their contacts and experience to roll all your debts into one payment, and bring the repayments down far lower than the normal person can. One girl on here actually ended up paying less out each fortnight, but got a better credit rating!

Good luck Hun - I know what it's like to be abused by creditors, and trust me, once you speak to the right person, you'd be amazed at how much easier it can get