Hi

All creditors apart from barclaycard did however they did reduce the rate. I can honestly say I had no hassle from any creditors which made it much easier. My dmp was with cccs and they were great never judging.

Thanks Foggy

Hi After almost 6 1/2 years and almost £80,000 in debt we make our final payment at the end of the month. I wanted to post this for anyone who is considering a dmp that we are living proof that even with a large amount of debt they can work. It has been a long struggle and we have learn't alot throu...

Hi My husband has a ccj which is due to drop of in July but he still has £4000 left which will hopefully be paid off in March. Will we get another ccj for 6 years or are they only allowed to do it once. We have some defaults that are due to drop of again with some balances left are they allowed to d...

Hi

Thank you for the kind comments and encouragement it goes along way

font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade> Originally posted by welshwiz Congratulations on getting the debt down so quick. Curious as to why you didn't do iva Hi I wanted to try and pay as much of the money back that I could and thought I would try the dmp first a...

Hi

I am in a dmp with stepchange

Hi Just to give others hope if they have to go down this route. We started in May 2008 owing £79200 now done to the last 11 months and we will be debt free. It has been a long road but we will not make the same mistake again. Good luck to everyone on your debt free journey whichever route you decide...

HI
I would have about £175 per month to pay towards an iva.

Thanks

Hi

Can you do an iva if you owe about £14.000.

Thanks

I understand what you are saying about commercial companies but I have been with CCCS for almost 5 years and all my creditors have frozen interest and charges from the off set except barclaycard they have started charging interest as I am paying more than the minimum payment.

Hi

If your friend is going to be charged £39.50 per month why don't they choose to use a non paying dmp company like cccs or payplan as they do not charge you their service and your friend will be debt free sooner.

Hi I have been with CCCS on a dmp since May 2008 and started at £78,000 of debt which I am far from proud of. I have just under £30,000 left as all creditors have frozen interest. I have always found cccs very easy to talk to and very sympathetic and they did suggest I could do an Iva but I decided ...

Hi I am currently on a dmp which is going well only 4 years left. I got my statement from Barclaycard today and that have started charging me interest I suspect it is because the payment I am making would be the equivalent to what I would pay if I was not on a plan. How is this helping me pay me deb...

I have been on a dmp for 3 years in may with the cccs and interest and charges were frozen from the start. I never hear from my creditors and only 1 of mine has been sent to a debt collector however this is there own inhouse debt collector. I have at every review managed to increase my payments and ...