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Hi Me again!! spoken to my mother in law today about my DMP and she said I should shop around and speak to the cccs as they do not charge you fees or take anything out of the money you pay over each month. I have a telephone appointment with Andy from Bright Oak tomorrow and I feel from reading posts from this site he is fantastic and will help as much as he can. Slightly confused now should I continue with Andy or shop around. Is it better to get personal service from someone you pay or go for free. (ps I feel like Carrie Bradshaw sitting on my laptop) wish I had her money!!

Is anyone on a DMP with Andy???

You will get professional and unbiased advice from Andrew - he will highlight the benefits of going with a non-fee paying company and the benefits of paying a fee. As you are only going to be doing a short-term DMP, does it really make much difference in the long run?

No your right it doesn't. Thanks Melanie x