Moneyplus.com took over from Baines & Ernst. When Moneyplus took over they reduced the monthly management fee of £45 a month (which is better) BUT didn't manage the account. For 10 years I had been on a DMP and was in a position to pay all of my creditors off. I phoned Moneyplus to cancel and they said I still owed a total of £17K+! It turns out that they were completely wrong - someone had updated a creditor balance to £16000 instead of £56!!!! When I just called all of my creditors to pay them off, one was still being paid monthly (to a total of £246 which could have gone elsewhere - even though the account was closed and paid up! Very disappointing. I would not recommend Moneyplus at all. Knowing what I know now, you can manage yourselves direct with your creditors without the need to waste money on a management fee and at least track it properly!!