Hi, Im looking for help and be pointed in the right direction please. I need to deal with my debts as they are making me ill No more sticking my head in the sand.......just thinking about it makes me feel sick and I feel very ashamed. I have debts with Vanquis, Payday loans, BT & Small overdraft. I would like to tackle this on my own and not use a dma, do you think that is a good idea. Thanks for any advice.