ditch Payplan or not? help please!

shayshay

I previously used Baines and Ernst who are just a bunch of bandits before I moved to Payplan and on the whole they have been pretty good. I have noticed in the last few months though that the dates they pay the crediotrs are moving by a few days here or there which results in a crappy letter coming from the creditor but I usually get on the phone to Payplan and they speak to the creditor straight away.

I used to get very stressed out even with B&E so the idea of dealing with it myself is a bit freaky as its another barrier and creditors are less likely to want the blood out of the stone.

james32_uk

Iriahm wrote:

James, thanks for your input. i'm not sure about whether or not I would have defaulted by not going to payplan. what i'm more bothered about is that they had my trust and my money!

Hmmm, sorry I read it too quickly and thought you were assuming they were late because you had defaults. A shocker if youre getting threatened with CCJs because they are not making payments on time.

If you can get all your creditors to agree to a private DMP at the same rate then I say go for it. You might get some creditors who are not happy with this however.

Good luck!