My credit file is destroyed pretty much. Gregory Pennington dropped me because they felt It would be best for me to setup payment plans with the debtors even though I would be paying probably £50-£100 more? So wasn't too pleased. I know, I would of been paying them for around 8+ years. I'll have a look into those companies I think whatever comes first i'll take up and whats best for my future. Okie dokie i'll give them a call at some point. I have tried making arrangements with the actual debtors/debt collection agencies but all the advisors I speak to are rude, arrogant, not understanding and require £30+ a week which I cannot afford. Here it goes: - Advantis/Textloan £260 - Scotcall £105 - Moorcroft £75 - Credit Resolution Services £220 - Wescot £1162 - Power2contact £860 - Midas credit services £940 - Scotcall (diff account) £980 - Natwest £500 - Barclays £1050 - DWP £100 - Llloyds £2500 - Quickquid £3000 - Speedcredit/Toothfairy Finance £800 (There under investigation from FOS at the moment) - Minicredit £900 (Also under investigation from FOS at the moment) - Wage day advance £100 Sounds like you've come a long way and well done for that! After readin that i'll most likely contact payplan and see what they can offer me. Yeahh all the accounts are defaulted and all about 6+ months old or older. Had various last litigation/court threats etc. Cheers William

Hey guys, lloyds TSB has potentially offered me a refinance loan due to... Cutting a long story short I'm a 19 years old and past year I got myself stuck within the payday loan circle and also did developed an addiction to money a year ago which is now treated and gone thank god. I've now been left with around 12K of debt under my hood from various payday lenders and cash shop loans. I also dipped into my overdraft on my lloyds account which started paying back slowly. I was originally with Gregory Pennington via debt management plan however month down line they dropped me and cancelled on me even though paid on time so wasn't impressed by them, also tried baines and earnst and there pretty much same sorta company (£70 upfront etc) so i said no. I tried towards step change and would take months for an appointment so was loosing hope and my debtors/debt recovery agent threatening me via all communications. I've now setup up £50 a week deal with lloyds TSB then out the blue the advisor mentioned I maybe eligible for a refinance loan to cover all my debts and I just pay them only. I know you shouldn't take money out to cover money but all the "support agencies/companies" have simply put me down alot whereby I don't trust them or they take too long to process everything. If anyone has one currently or have had one these refinance loans? & are they any good at all? Plus what's the whole process like? (As loans with banks are much better plus been customer with them since born) They say I maybe eligible for one so I'm just finding out what they are like if I get offered one? If I'm not does anyone else have suggestions on companies to help and sort out debt as the following companies have let me down... - Gregory Pennington - Step change - Baines and Ernest Many thanks William