Thanks for your responses. To explain a little more - when you apply via CCCS, you input your income and expenditure online, this then brings up a "remedy" based on your input. They then send you forms to fill in so that they manage your DMP, you pay them, they pay the creditors. Because I have no r...

Hi everyone, just joined as I am desperate for help. I have put off doing anything about my debt for months, but realise it won't go away until I do something about it. The question is what to actually do? I have approximately £38,000 of debt consisting of 2 loans, 1 overdraft and 3 credit cards. Af...