Beech in Macclesfield I will answer the above questions later today when I can dig out all the docs. Thanks again for all of your time barclaycard 16K MBNA - Link financial 18K Santander 8800 Moorcroft (was natwest) 21K 1st credit (was blackhorse) 6700 Lex auto 3500 We are currently paying just over 400 per month but realise Beech will be taking a substantial cut of this. Please let me know if you need any further information - I look forward to your response and appreciate you taking the time to help

Hi, We are hopefully getting closer to either partially settling these debts or at least fully settling some of them and coming out of the DMP. We don't deny these debts are ours so not sure about our moral standpoint on questioning the validity however we haven't checked PPI due to the fact these companies charge you even if the compensation is drawn down off the debt. If we were to partially settle these debts and then claimed the PPI compensation would the PPI be paid to us or again be put towards the shortfall of the partial paid amount and outstanding amount. Still not completely clear about the 'Full & Final' and 'Partially Settled' differences and the impact it may have on future loan apps etc. We are now both in good employment and in a far better position than we were 4 years ago, we will not be charging headlong into the same mistakes we made, albeit led willingly by the banks. Thanks you for any help/advice you can send our way.

dmp company have been really helpful to be fair (beech) - not sure how easy it is to take control of it ourselves?? Not checked any of the debts are valid but not entirely sure what you mean here if you could be a bit more specific - would the dmp company not have done this already. Desperate at the time so god knows what we have signed with them - clauses etc

Hi, I've had a read through previous posts and was hoping for some advice on our current situation. We entered debt management plan in Jan 2013 (70k credit cards & bank loans). Never missed on mortgage payments (1 residential & 2 buy to let) and these are currently up to date. We have a couple of properties which have finally increased in value and are hoping to sell this summer and get back on track. Our DMP has always been up to date. We were wondering what our chances were of obtaining a mortgage in future once we come out of the plan. Both of us have good jobs and stable employment. Also - if we went for part/full settlement of our debts does this pose an increased risk? We were hoping that if we went for part/full settlement we would be able to save and get another residential mortgage in a year or two - not sure if mortgage company would look at us - any thoughts? Really appreciate any help and advice as this DMP is a weight round our necks that we really want to get rid of as soon as feasible (never paid a bill late until we entered into this but was unavoidable due to significant change in circumstances). Please be gentle as I am not overly familiar with protocol on forums. Thank you for reading