I've had quite a few experiences with CCCS and payplan and my other companies that do the same thing. I have had a DMP with CCCS and found them extremely helpful only when i was able to pay each of the creditors. I have sine taken all the details and taken up dealing with each of my creditors myself. The company and department i work for is for the debt collection so i know how it works from both sides. CCCS actually charge the creditors for the service and their main purpose it to counsel people and set up payments. In this experiene most of our clients have a better experience from CCCS s its a free service. There are companies charging £150 a month in debt management fees.