At the moment all my payments are up to date but I am about to set up a DMP. The problem is my ex is about to stop his payments to me (long story) so by the end of this month i will not be able to cover my outgoing. And my mortgage wont get paid. BUT if I cancel my direct debit to my credit cards my mortgage wont be effected. I cant fill in the DMP until the end of the month when my ex stops his payments. Can I cancel the DD to my creditors as I have a few while I sort out everything else. I have written the letter of "Hold action on my account" but not posted it yet. Hope that all makes sense .....the crux of it is I dont want to get behind on essentials such as mortgage and house hold bills!