Who to choose - Payplan or other?

njc12

Hi - I have finally had my lightbulb moment - it was scary but now I know what I need to do I just want to go ahead and do it. We (me and OH) do really need to do a debt repayment plan and I have been reading on this site (which I am now addicted to!!!) about other people's experiences.

I know that I need to avoid profit-making companies for this but who would you guys recommend to go with?

Any help would be appreciated with this.

Thank you
njc12 x

poppy52

I don't think there's much difference between Payplan and CCCS - both are freee and both are well-regarded here. I'm with Payplan - simply because they were recommended first to me. I also found their website easier than the CCCS one - but that's probably just me.

fatbelly

CCCS have lower minimum payments at £5 per creditor per month. Payplan require at least £100 per month across all your creditors. So that may dictate who you go with. Both are good.

aimme13

hi, i went with payplan and found them really helpfull, my monthly payments were easy to change when my circumstances changed. I now pay £50 a month and have paid as low as £40 a month.....good luck!

Old_iron_balls

Hi,
why not post your SAO first, and see if we can offer you any help/advice before making a decision

njc12

Thanks to all of you for your help on this one!!

moxie_2

I'm with Payplan and have found them very good, really helpful and non judgemental despite my massive debt.

fizzel81

we are going with payplan and are getting our phone call today, the first one (initally ringing them) i found hard as its then you have to completly face up to the debt, have my list of everything ready for when they call, i expected to be waiting alot longer for all my info to be taken, im looking forward now to everything being arranged so i can get it all paid off

lou_lou_skinty_poos

fizzel81 wrote:

we are going with payplan and are getting our phone call today, the first one (initally ringing them) i found hard as its then you have to completly face up to the debt, have my list of everything ready for when they call, i expected to be waiting alot longer for all my info to be taken, im looking forward now to everything being arranged so i can get it all paid off

dont worry about the call i had mine and the lady was really nice. just have all ure documents to hand and give as up to date as balance of ure cards etc as you can.

fizzel81

thank you, i think its just the thought of a complete stranger knowing how out of control we have become, not told any of our family yet that is going to be even harder

njc12

Hi - thanks again to all of you.

Fizzel81 I know just how you feel - but believe me our debt is much much higher than yours!!! I'm still too embarrassed to do a SOA on here.... :embarasse

We have got our first call with Payplan today too.

Good Luck

njc12 x