I had a similar experience with HFC Bank. I have debt problems, one of which is a computer financed through HFC. I have made arrangements through Citizen's Advice Bureau, but HFC used to call me at ungodly hours with threatening undertones in their calls and letters. They advised me that CAB couldn't help as they weren't legally empowered to help. My husband replied saying that if CAB couldn't help then why have they helped so many people.(posted 8763 days ago)Don't take their threats lying down. If necessary, go through your local CAB who will write to them on your behalf.
You'll eventually come to some arrangements.
Good luck
Ann