Anyone any exp.with payplan ?

[fakeblonde]

We are thinking of asking them for help.
Can you tell me your exp. if pos.
I mean do they really help and if so how ?
How does it affect your credit rating ?
Are they really free ect >
Would really appreciate some feedback.
Cheers x

what do they do?Is it like IVA?

Sorry took so long !
Um no i think they just give you free advice .Was just wondering if anyone had any good or bad experience with them.

have you spoken to Citizens Advice?

No i haven`t but apparrently they reccommend payplan ?
I was thinking of using them because i have so little time its mainly late evening when i do these sort of jobs and i can access payplan online anytime.
I am in a new job and working really long hours.off today as dd2 has the dreeded sickness bug

DD2 has had fantastic help from CCCS

AS far as credit ratings are concerned I don't know because she hasn't even tried to get any credit since before she went to them, but I think because of her bad record with her creditors she would have had a rubbish one anyway.

No idea what hers is like now - we should check it, shouldn't we?

And yes, they really do help - she had an interview with them, gave them the details of her debts (credit/store card) and they negotiated with the creditors that they would get about £10 a month each and stop charging interest.

Her bank then failed to set up the standing order so they didn't even get their £10 initially but it's all running smoothly now and they are mostly leaving her alone - although one of them did keep ringing offering her a reduced amount for a final settlement.