fair enough it might not be amex's issue but would NCO be under the same obligations to keep sending me statements - interesting question! I wonder if anybody else thought they were close to paying it off only to suddenly find themselves with an extra £600 to pay off.

cheers for the replies so far, in terms of acting on my behalf, no problem with that. What is most annoying is that they've only just decided now to let stepchange now the final balance - after 4 years! Surely they have to send me statements etc

In a DMP with Stepchange and all was going well. All I owed NCO-Amex was £25. I go and ask NCO for an up to date balance and low and behold it jumps to over £600! They don't have the decency to tell me, I've just noticed it on the Stepchange website. NCO took over the debt from Amex in Sept 2009 and...

Their boss has been arrested on fraud, riddled some clients

yorkshire bank - took me on even when i owde £40,000 and hadn't started my iva

been with them for a couple of years now, they don't have guidelines but do make notes on your budget for creditors if it looks like you spend too much on certain things - i.e. petrol etc

yes at least its going down, when I look at my statements from them it shows that I have paid approx £25,000 back

if only i could have truned back the clock, I'm a product of Thatchers Britain!! lol

cheers all i did think about an iva first but when i spoke to one of the firms they said i would have to pay approx £1300 a month - no chance! Also wife didn't want a formal/legal thing which would be registered somewhere or other! COOP said there was an error and this will be rectified at least the...

I've been with CCCS for a coupe of years and its been hassle free. Recently a number of my creditors have started charging interest. Not a hugh amount given the outstanding credit but when you add it up its close to £200 a month out of the £860 I pay. Just noticed today that the Coop have charged £8...

In a DMP with CCCS, one of the creditors was Citi Cards, but tyhey transfered it to Opus, now Opus have transfered to Progressive Credit Ltd. Anybody else have dealings with them? Are they ok to work with?

another thing, CCCS did say that they sent my financial breakdown to Opus so fingers cross they see that without their help my DMP won't work.

time for some quantative easing!

well, I'll have to wait and see what happens

I'll let you know if they start slapping on the interest - its a shame as Citi were spot on and really helpful, shame if it takes a step back!

thanks Kallis, all going well so far, stress levels are way way down and life just seems a lot more fun![:)]

Hi, in a DMP with CCCS and recently received a letter from Citi Cards (who have been really good) to say they have sold the debt on to Opus, a credit card run by Bank of Scotland. Anybody had dealings with Opus, are they likely to still run with the DMP or do they try and play hardball!

cheers[:)]

cheers