I recently had my direct debit payment to BT returned unpaid. BT are now demanding immediate payment of the one month's missed payment and threatening further action. I am unable to make this payment in one payment and am trying to speak to someone authorised to allow me to pay it off over a few months. Help!!! Cannot get through to anyone in charge who can see past the rules and willing to listen . Been with BT for ten years and have phone and broadband with them. Surely I should be able to get a little time!