Thanks for all your comments, I am coming out in favour of Vincent Bond, but Melanie's suggestion sound sensible. Thank you!

I've just posted query in Debt Management area!

Has anyone had any experience of the CCCS? I have been put in contact with a fee based Company (Vincent Bond) but I have also been informed that the CCCS don't charge fee's and therefore I could pay off my debts quicker. Looking on the CCCS website, I pay them a lump sum and they distribute to my cr...

I've now discussed things with Melanie Giles' office, and the outcome is that a debt management plan appears to be a better way forward for me. As they don't deal in these themselves, they have passed my details onto Vincent Bond. However, one of my creditors has suggested the CCCS as they don't cha...

Hi All, My debts have been progressively getting worse, to the point I now don't have enough to pay debts and live - basically living expenses go on the credit cards and I'm now out of creidt. So I've been looking up the IVA process and have a meeting with Melanie Giles' office tomorrow. Really worr...