Thank you all for your sound advise. I am currently setting up a DMP with CCCS. I'll keep you posted on how this goes, my friend has just finished hers after three years and said they were excellent... lets hope i feel the same after using them I would be interesting to hear if anyone else has used ...

Please can anyone help. I am looking to claim my bank charges back from my bank, but worry they will ask for my loan of £20,000 to be paid off immediately, obviously i cant afford to do this and know that i wouldnt obtain credit to transfer this loan to another bank... any idea if banks can order yo...