I am in such a muddle.
I have recently got into financial difficulty with several debts.
Took the decision to go onto debt managment and 2 weeks into it I was still getting threatening emails, text messages, etc off one creditior in particular.
Also charges were being added onto various accounts for none payment.
I was under the impression that my debt mangment compnay would have sorted something by now and of got my accounts frozen.
Anyway I am contacted by another debt mangment company who I then decide to go with and in all honesty I have got a good impression of them welcome pack through the post and generally they have come across fairly well.
In the meantime I have found that my original debt managment company who I had not cancelled with yet and who I have already paid £80 which is the first months agreed payment have put something in place with my one creditor, this one particular creditior has been really hard about the whole matter threatneing to send ballifs, passing my case onto solicitors etc.
The problem is that they have offered this creditor the majority of my payment the debt mangment are taking £35 every month for their fees out of my £80 and this one creditor have being offered £40 which leaves £5 to split between 5 other creditors.
£40 is apparently the minimum this one creditor will accept they are generally being a nightmare.
My latest debt mangment company have slated the other one saying this is weak negotiations and it will never work as my other creditors will not accept something like a pound each whereas the other one is saying that sometimesthey do.
I am really concerned all threatening correspondence has stopped for now as obviously this creditor believs they are getting £40 shortly.
What should I do shall I stop with the one who has already put an offerin place who I ahve already paid money to or go with this other one.
Help please