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Here goes.... currently 103k debt accrued through redundancy, followed by working on a self-employed basis for a firm who were using adviser commissions to pay their own bills rather than paying the advisers... Approx 30k of original debt seriuosly spiralled, partly through using cards to keep the bills paid, partly through interest and charges, partly due to A Bank manipualting their systems to give me a loan when they should have told me to get help... Skip forward, took a DMP just over two years ago, lots of defaults, one Decree (CCJ) but more stable self-employemtn and just about to satrt a new job. So time to sort it out 
Ironically, I work in financial services...
Some of my debts I tried the UE route with through a Claims Management company who went bust, but since then may have changed DCA several times and I've just spent two hours trying to relate my Equifax file (which doesn't carry all my debts anyway) with my DMP statement to figure out which is which and which is a business debt, so I'll post them individually shortly, but I just wanted to get started!!
Ironically, I work in financial services...Some of my debts I tried the UE route with through a Claims Management company who went bust, but since then may have changed DCA several times and I've just spent two hours trying to relate my Equifax file (which doesn't carry all my debts anyway) with my DMP statement to figure out which is which and which is a business debt, so I'll post them individually shortly, but I just wanted to get started!!
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