as to the negative points of entering a debt management scheme if there are any....?does it affect future credit application negatively?i haven't actually defaulted any payments yet...but am looking to enter dms!
although i haven;t defaulted yet i am seriously struggling..i have four young kids to support and i have to rescan my shopping list to get the best for the money i have left over each month...about sixty pounds a week...feeding five on this is difficult and i'm just getting by with minimum payments...and to top it all off my money goes down by two hundred pound next month so thats when defasults will happen...i'm trying not to get myself in trouble by seeking a solution before the problem arises(sorry if i make you sick)
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