Yes baines and ernst take a management fee when going for a Debt management plan but what these people who are complaining about this below fail to realize is that the £35 per month is a lot less than the interest that the creditors are charging in interest each month. Going on to a debt management plan the interest will be frozen saving a fortune in payments to the creditors that does not go on the debt when you pay them direct. I have been with Baines & Ernst now for 3 years i pay £200 per month instead of the £800 my creditors were asking for and i am nearly debt free. This service has made a real difference in what was such a dark time in my life. If you can not afford your monthly payments and need some help I truly can not recommend this company enough!
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