Before I found Pay Plan I signed up for a Debt Management Plan (DMP) with a fee paying Company - I won't name there here, however in my defence I was desperate for help at that time - they charged significant up front fees and a monthly fee and the Service received from them was poor - they encouraged me to take out more debt in order to pay their fees !!! I am now formally addressing this through the appropriate channels - once I realised that the DMP I was with was not the norm/not correct, I searched for another and Pay Plan came as "highly" recommended, with no fees and a good "on line/digital Service" in support - I am glad that I switched - Pay Plan have taken a considerable amount of stress off of my shoulders (they deal with my creditors) I simply keep my part of the bargain by ensuring regular, agreed payments to them. The only aspect out standing is the freezing of interest by my Creditors, some do some don't, most of mine have, those remaining that do now only charge a small percentage of what I was paying prior to me entering into my DMP. To any one in debt/struggling with payments I would recommend looking into a DMP with Pay Plan - in support of my circumstances I cannot fault them....
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