I asked if they would consolidate 3 other loans and it would take pressure off us and we would have been paying them 1500 a month.
But they refused and know are ringing my guarantor.
Private debt management agencies are not 'like MABS'. They are commercial bodies, who will be taking a payment or commission somewhere along the line. They might add value to your situation, or they might end up costing you more than you save. Tread carefully.I have just rang the pheonix thats like mabs but dont have the waiting list to see a consultant.
...Technically they could consolidate your loans without rescheduling. Once the consolidation is within the current term of the loan or less. Rescheduling only comes into effect if the term of the loan is increased....
...I was paying 1000 a month but we had money problems so it was reduced to 645.
Now while we were having difficulty they werent getting proper monthly payments so im in arrears of 4500.
If you Google for Phoenix Debt Management, it puts up an ad for these guys http://www.debtsireland.com/. If they are paying for Google ads, it is a fair bet that they are a commercial body. The absence of any contact details other than email on the website is a warning bell, and the absence of a street address is possibly illegal.
You're probably right. They do look to be a lot more respectable than that other crowd. OP should make sure that they are competent as well - not just well intentioned.I think the OP is referring to [broken link removed] people - seems to be a legit registered charity.
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