Capital one mine and wife’s £10k they are only ones holding on maybe due to cards being more recent 2006 the others which I do not know how long wife was paying but £34,000 all in total... £1000 per month for a lot of years,!!! Don’t want to think about it and then the left overs taken up by.. NCO (Europe), AIC, Lowell, Cabot. All expenditure was by wife and have been paying Payplan for 5 years now at £100 per month all interest seems frozen. After this painful episode of debt was eventually brought to my attention by the brother in law I set about consolidation by Payplan which is a DMP....ad infinitude!! But like many a chap that spent his years paying off vast amounts of interest my job became untenable and I had a breakdown so with just a State pension and a Carers wife’s 3 day salary we scrape by...arrrhh. So realising my Xs are being drained by 2nd and 3rd or even 4th debt chasing companies I’m looking to a reduction from my £100 per month DMP. Initially I sent all requests for signatures to Lloyd’s Amex Santander and Capital one non materialised, Lloyds said they didn’t need to and pointed out a case proving it?! the rest didn’t and one just sent terms and conditions .I feel that I have paid back manifold in interest payments but still I am hounded by debt chasers..any thoughts ?