seems strange that you are actively encouaging more than one of their (B&E) services in a few discussions? you see i know of Byrom and Keeley, very well, and they have never not contacted creditors on a clients behalf, they are very well established and have a lot of happy clients, by the way, i dont work for them.

thanks for your kind comment ! i don't work for B&E just someone having difficulties and this company has been good sorting my finances out just trying to help . sorry for any spelling mistakes you knob !

I take it you work for B&E, you cannot spell their correctly !! ignore this fool. there are two types of guidelines, the BBA guidelines and the CAB guidelines. the CAB are more favourable towards people in difficulty. if you call your local CAB they will be able to help.

i know how you feel try talking to a company called Blair Endersby Financial Solutions thier very good will talk you through a telephone interview where they will ask you all relevant questions regards what you owe and what you have coming in what you need to live on etc. then they will give you a budget to work with . they work out all your basic outgoings etc plus give you an emergency fund. Good Luck

I've just had a phone consultation with the Consumer Credit Advice Service who (I think rightly) recommend I sign up to a Vol.Repayment Plan with my numerous debtors. However, I felt rushed through the bit where I have to list my basic outgoings (food, car, utilities etc). Does anyone have access to or a link to the Industry-agreed reasonable outgoings figures so I can see whether I'm maximising my avaliable cash before the remainder goes to my debtors?? Using the figures given by my advisor I'll be left with NO emergency cash at all (eg if my £400 car dies, which it will soonish, there will be nothing spare with which to replace / fix it!!). I know I need to pay off debtors asap but I'd appreciate any pointers as to how slowly I can can do this!! REALLY hope someone can help!!! I'm not looking to shirk my responsibilities but need to make a REASONABLE committment to my lenders....