other companies allow you to enter into repayment arrangements prior to going into default. Although I recognise that entering into a repayment arrangement is a series thing, by being able to plan it prior to going into default makes it easier to plan in the next month. It also prevents some very unpleasant experiences at a time that is clearly incredibly stressful for the customer. I appreciate it probably allows you to recover more interest on payments, however if you want to appear to be a 'responsible' retailer then I strongly suggest you re-consider this model.