speaking to payplan, got to complete an 18 page questionaire-will speak to the office of fair trading tomorrow.

To all, I have just had a conversation with a young lady from a recomended dmp company-this young lady has just told m that all the advice I was given by Synegie was bad advice-I should never have paid fees before Iva-I should not have stopped making payments to the creditors. I have been advised to...

Hi Locko-I have google them and sent off a request awaiting a response.

no most will be used up as fees for Synergie-if any left ill be passed to dmp if taken up.

Can you arrange a dmp on your own avoiding management fes? would they work or not?

it just feels like ive wasted 6 months and 2.5k and I feel really uncertain about the future.

Nr were not interested due to the amount-Dmp seems the only reallistic option-it feels like a real waste of time at the mo-I had a perfect credit record never missed a payment-not took into account-never missed a mortgage payment ever.

Bad news I'm afraid My application has failed-unfortunately Nr said no as they were 40% + Synergie are putting me in touch with a company called debt care their sister Company. Looks like ten years in a plan. Really p@#@#D off.

cheers-mine are 18 and 21 and their still hard work lol

thanks should be underway now-two o clock start

mine came to a head when I transfered part balances to mbna and they worked out what was going on-forced me to wake up and discuss it with my wife.

guess who's ha a letter from Ocean finance offering him the planet on tick of course lol

thanks again everyone-got less than an hour to the meeting-today feels like forever-cant eat-watching telly despite nowt being on. need to develop some patience-will keep you posted.
chees all

back to work tomorrow-Iva meeting today-imagine what a day i'm having!!!

nice one-hope everything goes well and quickly for you-hoping for the same tomorrow afternoon.