Oh dear, its Payplan. I thought they seemed really good..

I want to know whether or not I am likely to be able to continue using contracted mobile phones, while on a Debt Management Plan? No payments are missed and I am a home owner. I have had the same mobile phone number for years, and really don't want to change my number. Also have a spare mobile for the kids to use in emergencies. I decided to tackle my debt problem before I missed any payments, due to receiving high energy bills, and the cost of living crisis that we are in.

Thanks very much

Help. Am really worried, absolutely terrified that HMRC will cut off my benefit money, and will prosecute me. It all started back in 2017, when I lost a well paid job. After this I was unable to secure another one, as my twins were both diagnosed with special needs. I am a single parent, no partner or other support whatsoever. As I had a mortgage and other outstanding debts (personal loan and credit cards), I carried on doing matched betting and playing casino even after I received means tested benefits. I used money I had built up in my bank, don't believe it ever exceeded £6,000). To this day I don't know what I was thinking of? It stopped after two years, the money is pretty much all gone, and I have nothing to show for it, only the same amount of debt as previous really. I didn't gamble with benefit money, and the children always had what they needed. Now my last two claims for tax credits are being reviewed and I think it's only a matter of time before they contact me about it all. I don't believe I ever told them about the matched betting bank? I have looked at my bank statements and realised that I have numerous gambling transactions in and out appearing for two years. I just don't know what to do? Really scared I will lose the children, have my benefits cut off and will end up being prosecuted and having to pay back a huge over payment. I hope to receive some useful, practical advice with no judgement. Thanks..