Hi Many thanks for you swift reply,I have recieved an email from my chosen company ie: Consumer Credit Counselling Service telling me my appointment is booked for today at10.30am.When I visited this sight it says they offer free dmp's,so now I am confused as my phone call was with money expert finan...

I have had problems with my bank,I owe 16,000 over two loans one was taken out while I was not in a fit state of mind to do so (diagnosed with bipolar).I do not want to use this as an excuse but this can be proven by doctors records.I spoke to the manager of the loans department and explained my sit...