Just wondering if anyone has used a debt management service and knows if this is possible. I know they set them to automatically close when they are finished, but does anyone know if you can contact the credit card company and ask them to leave it open once it is paid off? The reason I ask is because I know it is better for your credit score to have accounts that are a few years old open, with available credit, rather than closing them when they are paid off.

Hi, my car has absolutely sh*t itself, i have spent over £1200 on it so far this year and it needs more work done to it. I feel now it is not worth wasting anymore money on it and would need to change it and each year it has also cost at least £300 to MOT. I am currently on a dmp with Payplan and i am just wondering, as they are not open today so i am unable to contact them if anyone else has been in my position and being able to get HP for a car whilst on this?nBy the way i am in the UK

I am told that I should immediately stop paying my credit card bills to get the attention of the lenders, so they will be more open to negotiations. And I should refer all contact to the debt settlement company. Is this normal?\nI\’m not behind on any bills right now, but it\’s looking likely that I will be in a short time.