Hello I know you guys are singing there praises but I just think new members planning to use them should think about it. I have been with then for 3 or 4 years now and the problem is you dont get a full picture. I have about 9 debts via loans credit cards etc. Once entered into the agreement half my creditors stopped sending me statements and the estimates on my Payplan account are miles out. One states I owe about £850 and I actually owe £2,000. Another estimates £65 remaining and its actually £835. The problem is you are still classed as a bad debt, not meeting minimum payments and defaulted. As a result charges are heaped on you and in the case of Lloyds TSB and HFC / Beneficial the debt recovery section isn't even aware of the agreement so add charges again and again and often call me twice a day (when the new switchboard shift comes on). So dont think you'll never get a call again. Also my credit score with all my creditors is still not even began to be repaired. My advice is contact the creditors yourself. Let them know whats happening and you can pay off yourself as per Payplan do for you. Paypaln negotiated a monthly payment of about £40 on one and the interest was about £38. I was making more headway with that one by myself. Then later if you do get a lump some at some point pay it to a debt of your choice. If you pay one off totally or try to pay a big sum to one who hasnt frozen interest, Payplan are apparently legally obliged to tell all other creditors. So be prepared for all the vultures to start calling again and negotions and figures be re-jigged all over again. Also once paid or settled, (and if you get a statement from debters saying paid in full etc, templates available on other sites), you now have at least one debter saying you are OK and marked off your list. As stated at the start I am still rated as a very bad risk with all my creditors and my expected repayment/finish date according to my Payplan account is 2011. In actual fact its more like 2015 before I can even hope to be debt free let alone credit rating start to be repaired. I know I've rambled as I have tried to give you facts and examples to explain my problems. Hope i havent confused my own points. Payplan may work fine for you but not in my case. Hope this helps someone.