Hi sad68. I am glad they were able to help and give you some advice. When they ask you to pay less than £10 They have taken your situation in to account(with the information that you have given about your financial situation) so they believe that you can not afford more. Do not try to pay more than you realistically can. I know you want to show that you are ready to pay what is available. But do not forget, the money adviser taken everything into account before advising you. Do not feel embarrassed about how your boss may feel. It has been done, and you can not change that, so concentrate on now, and know that all people get in to financial problem for gambling reasons or some thing else. Be strong and concentrate on your recovery. All the best and have a good week end.