Good morning all, I've been with Eurodebt for 179 months, yes over 14 years and yes I know I've been pretty stupid. I can't remember exactly who the original creditors were but it was credit card companies. Having got myself in a mess when I was not paid for work completed I borrowed on cards to keep me going, much of the debt rocketed with the addition of interest and PPI's, I claimed back the PPI's but I was still in debt and struggling, foolishly it seems now ended up with Eurodebt. I've just been blindly paying this each month, there is no realistic chance of me paying this off, I'm paying £71 per month, to three companies CapQuest, Cabot Financial and DLC I can't remember who the original creditors were but I think these have changed hands more than once. What can I do? Advice gratefully received!

Hi everyone, this is my first post so my apologies if something similar has already been posted. I need advise on a couple of points about the dmp I'm on. I am current 5 years into a dmp with Eurodebt (I know its not great being on a paid for dmp, but it has served its purpose, also i'll get into this shortly) and have four creditors with a current total owed of around 23.5k. Of the four creditors, 3 have placed the accounts into default which are due to clear from my credit history within the next 12 to 18 months. However, after looking at my credit file properly for the first time in 4 years I have found out that the Barclaycard account I had (now managed by Link Financial) has never been defaulted but just listed as 'payment upto 6 months late' since December 2011. I really need some advice of how to move forward with this. I am in a position to make a full and final settlement to them and they are willing to accept £1300 from the £2400 that’s owed. However, I am concerned that my credit history is going to be showing the late payment markers for 4 years after the others have dropped off, even though this would be the only one I have paid off. Is there anything I can do? Secondly, I could do with some info of how to move my dmp forward without using Eurodebt, as the £45 a month fee would be better served paying my creditors, not to mention straight away taking the expected repayment date from 29 years to 18 years! I have looked at Step change, but I’m not sure whether I should use them or look at doing it on my own (although this does seam a little daunting). I can only blame myself as I should have looked into this sooner, but at least its now time to do the dmp properly. Any help will be greatly appreciated, as I finally look to get my life back on track

Now I'm on a roll I'm thinking about challenging Eurodebt/Pentagon about their shoddy management of our account with them. We signed up with them way back in the early noughties and over the years have paid a considerable amount of money to them (8-10k is my estimate). Thing is, having found CAG and gone very simply down the CCA route I am furious that they have just carried on taking the money from us and not given us best advice (ie to send CCAs or do it on our behalf). Clearly there would have been no benefit to them, but still shoddy practice and possibly in breach of all kinds of FSA guidelines. I'm thinking we should be due some fees back. Would anyone out there be willing to help me draft an appropriate letter please ? Many thanks in anticipation TG