Some advice really if anyone can help. My youngest son has got himself into debt. Its tarted with one loan to pay anothe loan  etc. Originally about £1500  to 3/4 separate companies. He put them all into the hands of an agency and pays a set amount each month. However one company will not accept this and keep adding interest on so now its at about £3500. What should he do. he has been ringing CAB for last 2 days but can never get through. Is going bankrupt an option. he works but only a very low wage. Thanks

Has he looked here ?

Money Advice Service

It really is worth going to the citizens advice , even just calling in and sit and wait to speak with someone . They usually will deal with the companies for him and offer £1 per month payments and freeze the interest if he has no disposable income.
If he does ever come into a bit more money they can also negotiate to clear the debts at a very reduced rate , usually about 30-40% of what it actually is.
I know this as a close family member has had their help.
Hope he gets sorted soon .

Have a look on the Money Saving Expert site. There is a section on debts and links to various debt advice services.

I've spoken to my creditors direct, and currently have my debts (except council tax) going out at £1 a month with interest and charges frozen.  I only achieved that by speaking to them myself - I got advice from National Debtline and frankly, I wasn't impressed.  They told me not to be concerned about my credit score as it wasn't relevent at the time, and to just keep writing to the companies making offers and enclosing my ingoings and outgoings each time.  It didn't work, and I incurred 3 defaults on my credit rating while I wasted time doing it.

Only when I rang them, went through ingoings and outgoings over the phone so they couldn't just ignore me or send a token or prescripted response, and told them in no uncertain terms that I could not afford very much, did I get anywhere - in fact one of them asked me how I wanted to proceed because they could see my income was very low, and they couldn't set a monthly amount with that in mind as they'd just be making things worse.

I do find that being firm helps - saying very clearly 'I cannot afford that' gets me further than anything else.

he has actually tried this but its just one company who wont freeze interest so its spiralling out of control :-(

Contact national debtline or step change
I have more experience with national debtline who are brilliant at walking you througj the options
Sample letters to help. Basically can he go for a payment plan that is affordable to him. Needs to speak to each debtor convince them to hold charges and offer to pay something. Dont jump to bankruptcy there are other ways more suitable usually. Cab are impossible to get hold of the two I have mentioned are available by phoneapprox 8 to 8