Thanks for the advice shauni , ill do a bit more research , just out of curiosity what debt company is it you work for ? Thanks

i may have got the debt management scheme confused with debt advisory scheme , i think the debt advisory scheme is the one that u can only get in scotland .

Hi there , ive been on the phone to the money group for the past hour and a half and have offered me the help of a debt managment scheme which is only available in scotland , and as i am from scotland this is great it freezes my charges and etc guaranteed , they are sending out the paperwork and making me aware of there monthly charges , and a one off set up fee, i cant decide if this is a genuine help to me or making things worse? has anyone had a similar good experience where i can put faith in them if i proceed and sign everything ? or has anyone got a good success story which could be helpful ? any comments well appreciated , Thanks !