Hi Thanks again for the advice, im bracing myself for a bumpy couple of months lol, im trying not to think about it too much and hope for the best! x

oh and sorry about the spelling I really need to pay more attention to my typing x

Hi thanks again for the replys, im trying to prepare myself for whats to come! I already have a ccj as I have mentioned, Is that the worst that an unsecured lender can do? I live with my father and dont have any assests so im just wondering whats the worst that could happen? I dont want to go Bankrupt as Im only 22 and ive got mhyself into this right mess by making bad decisions! x

Hi thanks fr the welcome and the advice, Im currently waiting for the last of my statements to arrive so I can get my infor sent of to CCCS, im still worried Ive left it to late tho . I have a CCJ which i am appyling to get reduced as advised CCCS, I was wondering whether anyone had any expeiriences with getting a ccj reduced and which creditors are leat likely to accept a dmp? x

Hi I really dont want a IVA i'd rather stick with the DMP im just wondering how others have found this route?

Hello, Im new to this forum and need any advice I can get really. I am due to start a DMP with CCCS in Feb 09, all in all i have 13 creditors with about £16,000 of debt, my surplus income is £323 per month which i will be paying straight into the DMP. I am about 5 month behind in arrears to my creditors, some accounts have already been passed to DCA who are threatening door to door collections. I have been making token payments. I am worried about the level of my debt in comparison to my surplus income and creditors refusing the payments. Can anyone advise of the expieiences with creditors refusing DMP payments and what happened to their accounts? I really am worried sick over this, I feel ashamed of the sistuation I have gotten my self into and the hassle and threats from the creditors are really starting to get to me now. Any advice would be really appreciated x