None of my creditors know my landline or mobile as i have moved house recently. Am I obliged to phone and give my new numbers legally? Im starting a dmp. Looking at other posts id rather not get the calls. However im not sure if im legally obliged to tell them or if they may try and phone my workpla...

thanks i may stick with hsbc and open a co-op account if an emergency happens! Are you allowed 2 current accounts? Also there is a overdraft on my hsbc of 500 but i never use it. Do I have to cancel this in a dmp i dont intend on using it but its handy if i go over by a pound or something to avoid c...

im in a dmp but just noticed my bank hsbc owns one of my creditor companies hfc bank. is this dodgy? Was going to open a co-op one which i have been approved- but i belive they are linked to virgin but very tenuously which is another creditor. Virgin use co-op to do loans not credit cards and mines ...

its terrible to use vulnerable people in this way- what does makeup have to do witha decision bains and ernst. I will stick withy debt line and prey- i guess i can always go iva if needed.

im disgraced by some of the standards. One company stated i will put on full make up and meet you in manchester if if helps your decision. regulations?

im sorry i agree ive been in a panic my father is very sick so its all come at once.

I respect david monde and abacus entirely but their draft they emailed me was totally up the pole a lot of totally inaccurate details which is of concern of course if these people are handling my money

the prosopal i got from abacus was ridden with mistakes - wrong address, monthly rent 15 pound etc im sorry but it was worrying

its frightening andy i have have at at least 10 phone calls a day from different companies all saying they are the best dmp. The only thing that worries me is that this company does not cap fees whereas gregory pennington does at 90 pounds. although I guess if i am repaying more than 600 i cuold go ...

Have you heard of the company andy is 2-3 years a long enough time to be established.

I mean in the debt has been sold from say sainsburys to some small collections firm will they still condiser an iva

ive narrowed my choice of dmp companies to debt line- small company operating 3years gregoey penington -massive company going for many years anyone any advice on which is better smaller firm or large established? In dmp does it really matter who you are with as are the creditors likely to have fixed...

If i was to commence in an dmp and some creditors handed the debt to collection companies, ie sold them on, is is still possible to consider a Iva at this point or is it too late.

any ideas on how good these are as a dept management firm\/

Im quite happy with them but just noticed theres no cap on their 15% fee unlike incent bond. I was told there was no cool down period if i paid with switch over the phone my first fee is this correct?