Hi all, Glad to be here. I'm a long time browser and a new user. This forum has gave me great ideas in the past and I have helped my friends by reading advice on here. Now for my story. I have been with Kensington Finance for over 5 years. I was aware of free ones but thought that it was too much hassle as my debts were surrounding me. I was not thinking clearly and wanted a quick way out. In fact, I got referred to them by someone I knew. He said that they are good, no hassles blah, blah blah. Like a naive person, I arranged a DMP with them. They put me on a DMP on £90 a month (£49 paid to 3 creditors and £41 for their 'management' fees). I agreed and forgot about them. Currently I don't work. Ironically I'm studying to become an accountant. lol. Before I was working with computers and did a degree in Multimedia systems. Just last week, I got a wake up call from one DMP company. Someone called me up and managed to obtain my credit history. She told me that I have £8500 debt (with 3 creditors), which will take me about 12 years to pay off on my current plan, and was trying to sell me an IVA. I simply told her that I'm not working and therefore I probably won't be eligible. I simply put the phone down. I wanted to check how much debt I had left. Originally I had just under £11,000 debt and it doesn't take long to work out that only £2,500 has been paid off so far. Since that time I have paid Kensington Finance £2460 (£41 x 12 months x 5 years) in management fees which could have easily been paid towards the debts if I went for the free one. After that call, I called up StepChange and decided to go with them. They phoned me on Monday 02 June and set up a DMP with me. They worked out that £102 a month is reasonable for me and I should be debt free in 6 years 4 months, if my situation don't change. Today I phoned up Kensington Finance to cancel and explained my reasons why. They said that we will only charge you £10 in management fees. They also said that changing the DMP over to StepChange might cause bother to creditors and they might hassle you again so stick with us. Under the new plan it will take you 6 years 9 months to be debt free in my current situation. So what I want to know is that if any body had problems changing over? Will it cause problems with the creditors and for me? Should I stick with Kensington Finance as they have my details or send the paperwork back to Stepchange to get the DMP started? Sorry for long post. Any other advise gladly welcomed.