Hi melanie my total debts on my dmp are about 60,000. I pay in 499 a month. northern rock are my biggest worry, i've heard that they are unhelpful from many people amd they have harrassed me mercilessly, even ringing repeatedly when i am teaching lessons. My whole financial situation is v complicate...

I have a debt management plan with the cccs and have had some trouble with persuading northern rock to agree to reduced payments. I also have about £170,000 equity in my house, which has been on the market for about 2 years, but properties in my price bracket are slow to sell in liverpool. I am cons...