Been on the plan since then, not missed a single payment, circumstances changed and had to drop payments for a while but on the whole things have been fairly solid for over 6 years.
I was due to finish the DMP next year and managed to get a nice lump payment of £9k. According to Payplan there was just under £10k left so they started getting settlement figures.
Now it turns out that to settle today I would actually need £18k mainly due to interest and charges that Lloyds TSB are charging me.
With Lloyds, I have a credit card, 2 loans and 2 overdrafts. The loans are with their debt recovery team and they are offering reasonable settlement. The credit card and overdrafts however are racking up interest and charges because I'm told by Payplan that my monthly payment is too high and they will not treat it as a problem debt. In fact on these accounts the balance is not reducing, particularly on the credit card, it will take 10+ years to repay it.
I knew that Lloyds were charging interest and I spoke with them on many occassions to ask them to be reasonable and help me clear the debt. I also spoke with Payplan at least a year or more ago and asked for their advice, which was to stick with the DMP.
I'm so upset... I'm after some advice or just options that I could take now. These are what I have come up with:
 Use my £9k to pay off Lloyds so no more interest and charges accrue and continue paying off the other creditors
 Use my £9k to pay off the other creditors and reduce my monthly payments so that Lloyds get a much reduced monthly payment and hope that they eventually send the debt to their recovery team and freeze interest
Neither of these seem ideal to me.