Money jar loan-

[Arron53]

Quick but of info I had a loan over 3 months which I had paid £75 per month for....long story short something happened and my payment of the final instalment became unaffordable and i buried my head in the sand for 2 months....i now owe 110 or so and it's with collection....i rang and asked to deal with them direct and to help with charges and even offered a 10 pounds per month payment until paid off and they refused and said deal with collection agency....what are my rights and can these I treats and charges be waived and do I have to deal with a collector.....thanks is very much in advance .