????, you may have the ethical/moral highground but we are all fallible. Don't be harsh on Brendan, he merely has compassion. Yes, you and Sean are right, it is our fault, we cocked up. We are merely trying to claw back something from the odious banks who clobber us left, right and centre and make life that little bit more punitive. Perhaps you could share the righteousness and help those of us who are not so good at sticking to a budget.