Having been there and done that, i would avoid the CAB as they nearly screwed things up for me. i am nearing the completion of a debt management plan (i have a year and a half left). if you can do it on your own then great but i wasnt that disciplined. http://www.moneysupermarket.com/community/forums/t/debt-consolidation-companies-37510.aspx

Hi - are we talking about debt consolidation (ie loans ) or DMP's? Didnt thinkg the CCCS could give you a loan There are loads of threads in Money Supermarket. below are a threads or you can just type debt in the ...

no signature no contract - no contract no debt.

Hi, I can tell you from experience a am currently with Ashley Longmann Associates. and i have no heistation telling you that my dealings with them have been nothing but uplifting. The thing that set this company apart is that they dont charge any upfront fees, they dont tell you that you can deffinately get your debts written off, you can alway ...

get your credit report and you will see if sky etc appear on it.

keep at them mate

if you still get hounded tell them you are sending a letter to the OFT as well. that will put the wind up them ;)

cant you put a notice of correction on your account saying this is in dispute?

you can do this on your own you know ;)

update on this... the company i am with have just managed to settle 1 of my debts and freeze the interest on my mbna card which has made me really happy as now the money i am paying goes towards writing off more of my debt. Result :D