Most unhelpful company ever!

I have requested Edgars to change my account from a six month to a twelve month account three times as I can not afford the instalments and they refuse to help me. I am told that because the account is in arrears they can not change the payment plan. The first time I requested this the account was not yet in arrears but still would not help.<br> So instead of changing the account to a payment plan I can afford they will leave it to go into arrears and in the process I get a bad credit record.<br> This is the worse retail account I have ever had!!!!