I've been on a DMP for around 2-3 years now. I'm now down to 2 creditiors from 6 when i orignially started it!!
I have debts with Santander and Barclaycard currently outstanding still, the santander is around the £5k mark and Barclaycard £3300.
I have reduced my monthly DMP payment from £155 when i had the 6 now down to £66 per month for the two currently outstanding. The problem i have is the other debts sold it on but Santander and Barclaycard havent, there happy with the payments i'm paying currently. And have no intensions of selling it on, so for the past 4 months i have paid token payments of £1 each and they havent said anything. I even phoned them to ask for a balance etc and nothing was said to me!!
I want this gone now but ive got 3k to pay them off but there not accepting the £1500 each i have offered. But all my old debts which are now paid off, which i agreed and settled with a F&F when i offered them it.
What should i do next continue with the token payments until such time they get fed up with it or just continue to pay £66 for ever....!!!!