and most of the 20 is interest and charges that they said they would freeze years ago but now magicaly they have`nt

the reason y is
my son was born 4 mths prem and spent 4 mths on life support had open heart surgary and my wife sufferd spinal nerve damage during birth aswell as being given the wrong blood
i had to look after my 2 girls while my wife recoverd so no money from her and no overtime for me ment a crap time allaround