Byrom And Keeley Rip Off Or Real Help ?

Tixy

Hi Heather

If you have a further 15 payment today then thats a further £1500 to this company.
Instead have you considered cancelling your agreement with them, and instead doing your own DMP for the last year. Your creditors shouldn't have an issue at all with you taking over payments, especially as you'll be able to pay them all a little extra each month (because you'll be splitting £600 between them not £500). If you are thinking of doing this have a read of the cancellation terms with B&K (often you have to give written notice).

If your DMP co are predicting 15months with their fee - it should only take you 13months if you pay direct yourself.

With any DMP your credit rating will be entirely scuppered for at least 6years, although a lot of commercial DMP companies don't seem to make that clear.

Regarding the CCJ - what is the date of the judgement - did you ask to pay in installments? are you paying it as part of your monthly repayment?