It's self managed, but I still need to show everything is worked out pro rata, explaining my slight reluctance to open a separate thread for each debt. Ideally I want them seen as a whole rather than several individual ones. Thanks

Thanks Citizen B - I'll have a read of BCOBS and see where it takes me. Thanks again.

Thanks dx - appreciated. I'll open threads for each separately. I'm a bit concerned the site won't have an overview of the whole situation though then. Should I mention the other debts on each separate thread so people know it's not just one debt I'm talking about. What I'm trying to say (very badly sorry) is my worry is not being able to afford repayments to the DMP as a whole. Any one debt is not a problem. It's the combination of them all that's the problem, and this thread was labelled 'Debt Management and Self Help.' That is exactly what I want, not advice on individual debts per se. Does that make sense? Yes, a thread with Halifax was opened for me after I posted about the default. You can see the account above.

No ppi (already reclaimed and set off against debt) Default charges - don't think so. Got the DN, as arrangement to pay in place, they have not added charges I'm aware of.

Here you are dx. I feel terrible when I see them like this. Cap 1 £2500 1st Direct £6000 Barclaycard £14000 Halifax £850 Blair Oliver Scott £8800 Westcot £6000

No, I don't have all the old statements sadly. I could do a SAR. Brigaidier - agreed, thanks.

OK, thanks. I'll post later today for you. I have checked everything I know of - correct DN's, where the DCA is taking payment that it is an Absolute Assignment and I've had the NOA. It's always good to have another eye cast over it though, so thank you.

Agreed, a simple phone call to the council will establish the way forward for this issue.

The creditor is the Halifax. It is arrears on a personal loan. The balance will be paid off shortly, so defaulting me now seems wrong. I can't see them selling the debt when the balance is now under £800. It has come down from over £5000 and they can see they're getting their money. A change in circumstances means it will take longer now than it was going to to repay the debt. Would this make them sell it?

Hello dx100uk, I don't have my CRF to hand, but I can post up a list of debts tomorrow with the latest balances available. None have ppi, I have no priority debts and everything else has been worked out pro rata. I am short to the tune of approx £150 pcm. At the moment I have written to all creditors stating that due to a change in personal circumstances I am having difficulty keeping up with the repayments, I am waiting for replies. Some of my repayments are currently with DCA's. Is there any chance of the DCA's seeing the list of my debts, as it might identify me? Sorry to be paranoid. What are you thinking dx?

The serving of the SD is critical, so if you can talk to ex wife and get any mail delivered addressed to you, that would be to your advantage. I agree that if you prove arrangements have been made with other creditors, and offers made to, but refused by this one, then the judge is likely to be sympathetic to you. If you have not already done so, I would get a CFS drawn up to show that all repayment offers have been made proportionately so are fair and equitable.

This is the thing which really annoys me. I have had an arrangement to pay all the time, so it is still with the original creditor. There has never been any suggestion of them doing this, and I have always increased payments in line with any rise in my income. The default, after all this time, feels like a kick.

The reason is an honest mistake. I recently married, and underestimated the cost of taking on a wife and step child before starting the DMP. This has caused the issue.

I have two defaults on my CRF which come up for 6 years pretty soon. Another creditor has just placed a default 4 years after the account defaulted. I know OFT Guidelines state between 3-6 months, but they're only guidelines not law. This means my CRF is now wrecked for 4 years longer than it needs to be. Is there anything I can do?

I am on a Debt Management Plan. I am struggling to keep up some of the repayments. If I get a CCJ, I will probably lose my job. What should I do? The DMP is self managed at the moment. It has been set up since the end of last year, and I fear it is too soon to contact creditors to make alternative offers. I feel threatened by my employers as the owner of my company does not like me, and would like to get shot given a chance. I don't like the threats. When confronted he always lies and claims he didn't say them. It's my word against his and there's not much I can do about it. Any suggestions what I can do would be good.