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Hey guys, this is my scenario.

 

I have bad credit and debts - I owe to Payday UK, Littlewoods, Natwest, Welcome and Fashion World. I have found that my debt was spirilling out of control, and so I have turned to Rivington West - who are a debt management company. They are dealing with my account, and I am paying them £150 a month. Now I have received a weird phone call from a collection agency who are on behalf of Payday UK. I didnt answer but the guy sounded like an arrogent ponce - and so im assuming that payday uk have passed the debt on.

 

Was I right to go to a debt management company?

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To be honest you are paying them to do something that you could do for yourself. Plus if you do it yourself all the money you pay goes to reducing your debt. Failing that CCCS or CAB will do it for free.

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Unfortunately that was the issue - i was not paying them, I was spending the money on other things - I am very poor with managing my money and its something I am looking into rectifying, so instead of hiding behind my debts and hoping they would go away, I found this a more viable solution.

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debt management companies are a [problem], a total waste of money and they get you into more problems. You should cancel your agreement with the debt management company and contact payday UK, offering them a payment each month in order to clear your debt, you'll save money and not have to have arrogant ponces calling you!!

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I agree with Jamie, the company will no doubt take your first two monthly payments as their advance fees and then screw up your payments.... they really are not worth bothering about.

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