Andy was the first person I spoke to actually. He really calmed my nerves 'We'll do this I promise James'. Well we did, and thankyou.

Posted this back in 2010. I've just finished the DMP now. Every creditor, paid off in full. A few things about Vincent Bond and my experience. Service was impeccable. I've dealt with a few different advisors over the 2 years, that's fine, doesn't bother me if people change just as long as the servic...

Thanks for the replies. I'm edging towards telling them if I'm being honest. It's not like I'm in difficulty now, whilst I'm on a DMP the payments are enough to keep me more than above water and it's only for another year. But totally depends how they see it. I think my worst nightmare is starting t...

Evening all, I've today found out I was successful in applying for a job at a new company and have just handed my resignation in at my current firm where I've been working for over 6 years. I have however, just seen on the contract from the new firm that I'm subject to certain checks such as employm...

Started a DMP with Vincent Bond 2 months ago, I chose them over the free DMP companies for the simple reason that I wanted my matters (11 seperate creditors totalling around £11k) dealt with fast and with good service. What can I say? Superb, 2 months on and only 1 creditor appears to be dragging th...

Carole, this is an old thread so as I've said in my last post I seem to be on the right track, but thanks.

Just to keep people in the loop with how I'm getting on with VB and my DMP. It's been just like the biggest weight of my shoulders, I feel so much happier, just gutted I didn't bother doing it before. The phonecalls are going down and checking the VB website I can see within 2 weeks of my DMP set up...

Hey, just a note to say I begin my DMP with Vincent Bond on Monday. Still nervous about the phonecalls I'm likely to receive but sure they'll go away soon enough. Been really impressed with the service so far, top notch indeed! Really glad I found this website now!

Just spoken to Andy Davie, very helpful and the plan seems far more realistic, achievable and I’m very happy with it. I will cancel my involvement with the other firm immediately. Thankyou all so much for your advice.

That’s fine, I think this advice has helped massively and I plan to cancel the agreement I had with the company I first mentioned. They said they would send a courier to me tomorrow to sign the documents. I felt that was a bit strange as it doesn’t give me time to read them properly. I still plan to...

Andy Davie, the company said they would take the first 3 payments and make a token payment of a pound to all the firms. The remaining 6 months payments would be saved up by them and then offered to all of the companies in the 9th month. So in essence out of the £6200 or so I pay in 9 months, only ar...

Jtomo you’ve recommended the IVA website, but surely that’s what I’ve been advised to avoid (an IVA) and go for a DMP? I’ve googled some DMPs but also read some reviews and some people have said they’re no more than scam companies?! Confusing. I’m just very scared if I cancel my direct debits to all...

A DMP sounds the best option then, I think that was what I googled and ended up with the company I mentioned at the top of this thread. Do you have any recommendations of who to go with?

To clarify Welcome Finance - £4,500 outstanding, currently paying £280 a month Speedloan Finance - £600 outstanding, currently paying £88 a month Trident (a collection agency on behalf of Natwest) £2k outstanding. £90 a month. This debt is rising though. The £90 doesn’t even cover the interest so it...

I don’t think I can speak to my bank, my credit rating is terrible and I don’t think they’ll loan anything to me. People have mentioned a DMP, excuse my ignorance but what’s the difference between this and an IVA?