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Payday UK etc

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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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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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