Hi Sarah
Thankyou for posting on our online forum and welcome to Debt Line!
I am sorry to hear you have had trouble in the past and can understand you are feeling wary about taking the next steps.
There is never a guarantee with debt management Sarah, that your creditors will automatically stop contacting you. We would be working on your behalf but you are still going to be a client of theirs. This means that they are obliged to notify you of the status of your account, any changes that are made, and ofcourse your balances with them.
What they are not allowed to do is harrass you for money!
You will not only be protected by us, but also by the debt management Office of Fair Trading guildlines which are :
section 2.8D = There are not allowed to contact our clients directly and bypass their appointed representative (us)
section 2.8C = They are not allowed to refuse to deal with authorised 3rd parties acting on your behalf (us)
section 2.8F = They are not allowed to make you feel under pressure to pay more than you afford
What we can guarantee Sarah is that we will offer a flexible and affordable monthly program for you, so that you can consolidate your debts and take the pressure off your shoulders. We will contact all of your creditors with a lower monthly repayment and negotiate arrangements on your behalf. We will set up a payment amount and date that suits you and keep you informed online of the progress of your account. We will also provide monthly statements so you can see your payments being cashed.
I hope that answers your question Sarah and puts your mind at ease a little?
Please contact one of our experienced debt advisors on 08000 914 525 who can run through the finer details with you and get you started on your journey to becoming debt-free!
Have a good weekend and we hope to hear from you very soon.
Kind regards,
Cazz