Thank you again. For information, I have bought the Consumer Forum book as well which is proving an informative read. Regards

Okay will do - thanks. Just for my own interest/knowledge, is there a reason I should wait for them to contact me? Regards

Can I check further re this? I've been trying to do some research into this to try and ensure I'm up to date with what I need to do. I have cancelled the DMP and written to them, and am awaiting developments. Is it worth my while writing to my creditors individually asking them for a copy of my original credit agreement with the necessary postal order attached or would that just be wasting my time just now ? Thanks

Thanks v much for your help I'm not sure if I'm looking forward to it, however will let you know what happens. Havinga DMP was strangely reassuring even if it took away almost all of my disposable income.

Okay so unfortunately I can't just stop paying them, but I can close off my DMP with WS, as already disussed. Then next stage is to await the mail and to let you know. This could get v interesting. I'm hoping positively interesting. Thanks again for your help

Thanks v much again, I'll have a look. Regards Hi okay, I'm going to follow your advice and send them a letter plus an SARand tell them I'm going to stop making the payments. I'll also ask about the settlement pot although I suspect that won't prove fruitful I expect I will then receive lots of letters/calls from my various creditors. You mention that you think about 90% of my debts are unenforceable (and that I've been cash cowed blind for 10yrs.) What should I then do with all the threatening letters / calls etc ? Is there somewhere on this site I can look for a protocol to follow? Also if 90% are unenforceable, what about the remaining 10%? Apologies for another set of questions, but I mus admit to a large degree of anxiety when dealing with these people and the prospect of what will happen short term. Thanks again Hi, just trying to do some research and reading this : This is a very important chapter and needs careful reading http://fshandbook.info/FS/html/handbook/CONC/7/15 Notwithstanding that a debt may be recoverable, a firm must not attempt to recover a statute barred debt in England, Wales or Northern Ireland if the lender or owner has not been in contact with the customer during the limitation period. If the lender or owner has been in regular contact with the customer during the limitation period, the firm may continue to attempt to recover the debt. A firm must endeavour to ensure that it does not mislead a customer as to the customer's rights and obligations. It is misleading for a firm to suggest or state that a customer may be the subject of court action for the sum of the statute barred debt when the firm knows, or reasonably ought to know, that the relevant limitation period has expired. A firm must not continue to demand payment from a customer after the customer has stated that he will not be paying the debt because it is statute barred. Does this mean that after paying my DMP faithfully for over 10 years, I can essentially say to them that the debts are statute barred and to stop demaning payment for them? Thanks

Hi there is a number 4992828, registered in England and Wales. They also say they DEMSA members with some approved code by Trading Standards Gov UK Their registered address I have found as 70 Great Bridgewater St, Manchester M1 5ES. Thanks again

Okay thanks. I"all start doing my research but do intend cancelling the debit to WS. Thanks again..

Hi yes, the information I have here is that the company are called : Welcome Solutions The Debtsorters, part of Lawrence Charlton, Specialist Debt Solutions. The address on the information is : Church Street, Alington, ChorleyPR7 4EX. In relation to the DCA' s mentioned, I was alsogoing to write to them with a full and final offer. I'm presuming I shouldn't do that as yet. Thanks again

Right thanks v much. It is v much appreciated. If I stop the monthly DMP payment, is it wise to notify them as well ? I should have checked out doing it myself and at least then the £65 per month fee could have gone to my creditors. Yes re DCA. My debts have all been passed on to the likes of Cabot, Shoosmiths, DLC, RMA Resolve, Wescot Credit and Laser uk I've had the arrangement in place for just over 10 years. How would I go about finding out if they have been putting an extra sum into a pot ?

Hi, thanks for this. If I simply stop the debit payment going to WS/LC Group and then wait for the letters to come through from all of my creditors ? I can also list all of my debts, all of which were unsecured loans or credit cards. I can also as far as I can list the other information. Should I do this on this forum and what is an OC ? Also when you say that most DMC's hold a fiull and final pot, can you tell me what you mean? I am also happy to get a SAR but am wondering why it would be useful ? Sorry, I've spent most of today trying to get my head around this Forum and my head is starting to get more woolly than usual trying to get to grips with my next stages. Thanks for your help

They do appear to have been paying off my creditors as I have statements from them, as well as from WS's and have a pretty good idea of what I owe. Can I ask what I should fdo from here in your opinon ?

Hi with WS who are part of Lawrence Charlton Debt Solutions ? I'm wondering if it is a proper DMP or if it is simply an informal arrangement with my creditors to pay my debts off. I'm actually now starting to think I have been incredibly naive oer the last 10 years and its probably cost me a lot of money. Thanks

Welcome Sols. Any advice on how to proceed? Thanks

Hi, I'd appreciate any help/advice about my situation and what I should do next. I got into a lot of debt back in 2006. I have 10 debts ranging from £250 to £12k. Around £42k in total. When I got into this debt I panicked slightly and took out a debt management plan with a fee paying company, paying £310 a month, which includes a fee to them of approx £65. I have paid this payment faithfully for the last 10 years. The DMP company contacted me recently to raise their fees and it was at this point I realised why was I paying them £65 a month? I have now cancelled my denit payment with them and if necessary will deal with each company myself. I also received some PPI money back, around £6k and was going to utilise this to write Full and Final Payments letters to some or all of the companies I owe money too. My questions are, is this the best way for me to proceed or should I be doing something else ? Thanks in advance