Ok thats great thanks very much. Just didn't want to become a bore...'whats he moaning about, he's only a DMP'er'[:D]

The problem with all this is that one says Payplan and other similar organisations are the best way to turn others say a private company would be better. I think i will stay with payplan at the moment and see where it takes me, all i'm saying is that this is all so confusing and sometimes you don't ...

Is it a good thing that they are funded this way or are they just fighting the creditors side all the time? After speaking with National Debtline and generally having a good look around, Payplan seemed like agood alternative to ND, are they good at what they do, on a debtors side?

Hi again, have spoken to Payplan tonight as planned and we are going down the DMP route as you thought would be best. As for the 'Work Loan' they think that no-one needs to know in particular with a DMP, and would've looked into doing an IVA with that stance had my debt not been so large and my CURR...

Ok thanks for all your help. I will see how it goes and let you know what payplan have to say. Thanks again.

You're right it's not a good situation to be in. I sometimes wonder how we got here, it's not like we have alot of material things to show for it. The thing is i suppose as the previous loan was secured bankruptcy would have been the only option but to be honest it wasn't something we even looked at...

The loan was given to me a year or so ago as i had a large second mortgage on my old property which needed to be cleared before i could move to a new house. At the time i asked my employer for advice rather that anything else and was offered the loan, it seemed like a perfect solution at the time. T...

Hi, this is where i am at at the moment. I will spill all the beans but i would be very interested in any ideas or advice that anyone on here may have. I currently have debts in excess of £21,200 not including any interest that will or will not accrue.This is divided up by 13 creditors. Things up ti...