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PayPlan - are they genuine and is it worth it?

Hi All,

just want some advice. Are the company PayPlan any good? and do you think its worth it for me? see below summary of debt;

Capital One Credit Card - £1010
Aqua Credit Card - £300
Lloyds TSB Overdraft - £3,000

is it worth me going to a debt management company?

Any advice welcome

thanks
Emma
Debts: 1)[STRIKE]£3,000[/STRIKE] [STRIKE]£2,850[/STRIKE]£2,800 2)[STRIKE]£1,000 [/STRIKE][STRIKE]£980 [/STRIKE] [STRIKE]£930[/STRIKE] [STRIKE]£900[/STRIKE] £6003)[STRIKE]£650[/STRIKE]£588 4)[STRIKE]£300[/STRIKE] [STRIKE]£279.95[/STRIKE] £0!!! Cancelled card 29/11/11
Pay One debt 2012! #6 £4950/[STRIKE]£582[/STRIKE] [STRIKE]£662[/STRIKE] £962 paid so far :T

Comments

  • Hi Emma,

    Yes they are good, and yes they are genuine! Payplan are one of the free debt management companies recommended on here. It's always worth talking to them for advice, whether or not you end up going into a dmp. Whether it will be worth it depends on your personal circumstances - post your SOA (Statement of Affairs - one of the sticky threads at the top of the debt wannabe forum) and the helpful people on here will be able to give you some advice!

    Soph x
    DFD = [STRIKE]May 2028[/STRIKE] February 2016
    Nov 2010 = £49128.50
    February 2016 = £0.00
  • thanks Soph - have posted my SOA before and everyone has been soooo helpful. just not sure whether its worth me doing it!

    thanks again x
    Debts: 1)[STRIKE]£3,000[/STRIKE] [STRIKE]£2,850[/STRIKE]£2,800 2)[STRIKE]£1,000 [/STRIKE][STRIKE]£980 [/STRIKE] [STRIKE]£930[/STRIKE] [STRIKE]£900[/STRIKE] £6003)[STRIKE]£650[/STRIKE]£588 4)[STRIKE]£300[/STRIKE] [STRIKE]£279.95[/STRIKE] £0!!! Cancelled card 29/11/11
    Pay One debt 2012! #6 £4950/[STRIKE]£582[/STRIKE] [STRIKE]£662[/STRIKE] £962 paid so far :T
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