It's swings and roundabouts in terms of pros and cons. If you go with Payplan, they do much of the legwork for you, you pay one simple monthly payment which they distribute, they may, however, need chasing up about things like freezing interest and charges.
If you go by yourself, Cash Flow will give your IE sheet the same level of credibility as a CFS from Payplan or any other DMP provider. The disadvantage is that you do everything yourself; however, a huge advantage is that you retain total control over your money and who gets what. This means that if one creditor decides to play awkwa