Hopefully the FSA, OFT and Insolvency Service are investigating these gross abuses of power by creditors to treat consumers unfairly. Somebody should be looking into these matters and taking action. If action cannot be taken under current UK statues then all we have to do is look at current EC directives which also set out a standard that seeks to treat customers fairly.

This isn't hard like sending men to Mars, all that should be delivered and expected is that when consumers in financial trouble make a fair and reasonable proposal to repay their debt that creditor's review and accept these repayment arrangements in an effort to help.

The real answer to the question of who is protecting consumers from the ongoing creditor abuse of debtors is that nobody is. Hopefully the Financial Ombudsman Service can ride in on a white horse and make a fair and impartial decision about the way that consumers have been treated. The FOS says that they are "completely independent and impartial – just as a judge would be if the consumer went to court instead" and let's hope that is really true, because if it is there is almost no way that the FOS could make a determination that consumers are being treated fairly at all by creditors.