Hi, I'm also going through with a DMP with CCCS, my view is that CCCS as a charity are quite good at negotiating with companies to reduce/freeze interest, i would also contact the companies yourself to request freezing interest- explain its in there interest to do so otherwise you wont be able to repay the debt etc etc.(i did this with Egg who stopped all charges and interest, Mint also will reduce your interest, HSBC and Natwest didnt in my case but i think its worth asking and fighting for it).

I looked at other companies before CCCS and researched on the web etc CCCS do seem to be one of the best as they are free and have good links with companies, stick with them, if you have more than £300 spare one month why not start saving separately and then you could offer a lump sum to one of your creditors? Dont forget you can always change your payment to CCCS.

I feel for me its a good option and it will also stop me being contacted by letter and phone regarding debts, i was drowning in debt repayment and late charges so i can live a little and i know that all my creditors will get something each month- better than nothing!!

Good luck and i hope i helped a bit x