Hi. I dont have an unsecured borrowing with A+L and i have checked my car and it is in hire purchase, i rang them and its £4700 to pay it off.

right. im currently in the process of starting a new debt management plan with abacus finance but I am considering if its just worth going bankrupt as im really stressed out by all these bills and how little much money i have left. ok here we go, questions and worries i have, im hoping someone can h...

anybody recommend any decent debt management companies?

cheers

well done i might be going this way soon.

thanks for the advice. im just debating to either go bankrupt now or try do my own contribution dmp of £100 until next year when my pay goes up and ill be able to afford more.

its the only thing really upsetting me is not being able to join the police force, its what ive wanted to do and its my own fault getting in debt being a student im trying to look at alternative methods rather then bankruptcy but i dont really see any options ?

ok. so i cant get an iva because i dont have to much desposible income and i dont have a house, and ive tried payplan and cccs and they said they can only offer me a dmp for around £230 which i just simply cant afford so bankruptcy is my only real option. i work and take home about £1100, i have ren...

not that i know of, i hope not. ive just joined them aswell for my DMP.

yer i owe the debt but npower dont have a record of the previous bill for some reason, its odd. they have a record of the bill ive just paid but not my previous address bill. how can i pay it if there system doesnt have it ? should i just wait for another letter from the pre-court devision

I moved flats about 4 months ago and had a bill from the old flat sent to my new one which i actually forgot to pay. now i have a bill from the new flat and ive paid that, ive had a letter from npower pre-court devision but ive lost it (sorry im not well organised), its for somethign like £180. ive ...

i was thinking of going with cccs for my dmp as i current am on a fee paying dmp. good idea to switch or stay after reading this?

i have included my payment arrangement in this, i pay baines&ernst £135 at present always maintained that payment.

i also have a car on finance at £129/m

i think my debt is around £15000 if i work it out mostly overdrafts with banks and stupid credit cards/store credit. i havent counted my student loan on top of this, should i? im on 16k a year, i dont own my house i rent but my expenditure is quite high aswell just with bills and car etc. ive just w...

Im currently with a company called baines and ernst who deal with my debt on a debt management programme, i pay something like £135 a month to them but they actually take i think its either £20 or £25 of this for themselves aswell as they took the first monthly payment. I have been on this plan for ...