_________________ "Sometimes my perception of my own brilliance is only surpassed by its reality" Post subject: Re: hi im new ,, just a few q before contacting a dmcompany Posted: Tue Nov 13, 2012 10:59 pm Site Admin Joined: Wed May 05, 2004 9:23 pm Posts: 5249 Location: UK Only you can decide that Portia - the quality of mercy not being strained etc.... When you realise there is nothing more then you budget - but I can give you an example of a client who was only going to use her credit card for emergencies and include in her debt management plan then - but we had transferred her details and they told us how she had spent 149 on a satellite channel buying jewellery - so we now say that if anything is spent on a credit card after contacting us, that amount has to be repaid in full before the debt management plan starts. If you choose to do your own then you can do as you please but a reupitable debt management company discusses things with clients as if there is no serious buy in, the plan will never succeed. Post subject: Re: hi im new ,, just a few q before contacting a dmcompany Posted: Wed Nov 14, 2012 4:10 pm Master-Poster Joined: Sat Aug 25, 2007 2:55 pm Posts: 969 ortia1999 wrote: so did it catch up with you ??? the 15k , im talkin a couple of hundred just xmas on a budget