Hi all. First post, so be kind please! I've got my head around the F&F stuff, all the caveats, the need for very specific wordings, letters etc. The query I have is how to manage F&Fs while on a DMP.... or, if it's not going to work. My understanding is that CCCS, who manage or DMP for us, do not like the whole F&F as we are suppsoed to treat the creditors equally. But, we owe a flipping mound and, with the help of selling my car and family contributions we could probably pay off three or four of the smaller CC debts, if they accepted even somewhat less than we owe. My issue is - do we tell CCCS of our plan? Do we just go ahead and do it? If the latter then surely we're going to have to 'fess up to CCCS because we'll be asking them to remove creditors from the payment list? Any advice greatly welcome. Cheers.