Thank you dx. I am a little bit out of my depth and i am grateful for all advice and guidance you can offer me, thats why i came to CAG. I have a CCA request for all 4 DCA ready to be posted in the morning, but what should i do while i am waiting, do i pay nothing, do i ignore them or should i pay what i can regardless of what they say. Why wont Capquest take me to court for a CCJ or try to bankrupt me, is the amount i owe not enougth. Also i dont really understand why they dont show on my Credit File.

Thank you for you time and help dx100uk & Tingy but really just stop paying them, wont they take me to court? There were alot of charges added before the accounts were sold to Capquest but i dont know if they are unlawfull. I will request a CCA from all of them. As for this months payments what should i do? i couldnt give a monkeys about the state of my credit score but after reading sequenci's blog which was very informative am i right that i should only pay the amount i can afford to each creditor (currently £10 each) as well as putting a formal offer in writing.

Thank you for taking the time to read my post and replying and i will read through the blog you have suggested. The money i pay to CQ are for 2 shop direct accounts which they passed on to CQ after refusing to deal with me direct and repeatedly stated they would only agree to a payment plan if i went through a 3rd party such as CAB. I found CQ very difficult and aggresive to deal with and they wanted more than twice those amounts and the agreement i made with them has only been in place for 4 months. Also is it significant that those are the only 2 debts that do not appear on my Experion credit report.

i will try and keep a long story short, i have several unsecured debts in my name alone which since losing my job 12months i have been managing my own DMP with the support (financially and emotionaly) of my partner. Due to a change in our circumstances i am unable to now honour the agreements i made with all of them. As it stands i currently owe £445 Vanquis/Impact pay £28month £320 Fredrickson International pay £33month £1380 Capquest pay £20month £2350 Capquest pay £30month I have no income i can call my own, my partner works and she pays our rent, bills, ect.. i currently look after our 2 kids while i look for a full time job, we recieve working tax credits and although i am job seeking i am not entitled to JSA as my partner works. As it stands today i could manage to pay 2 of these the agreed amount each month. What should i do, and how bad will it get?