Hi, I wonder if someone could possibly help me with a couple of queries I have. Hi, My husband and I currently have a DMP with CCCS which we have had since May 2010. When we first started the DMP, I also had a Littlewoods account but I didn't include it with the rest of my creditors as it didn't have much on it and I thought I would pay if off before the DMP started. Unfortunately we needed to use it for some household appliances which broke and we hoped to pay if off with my husband's commission, however, he hasn't received as much as we expected. The account has now increased to the point now where I can no longer afford the monthly payments. I have been burying my head in the sand a bit about it but I now need to do something about it. I have emailed CCCS to see if they are going to cancel my DMP or if they are willing to help me but in the meantime, I wanted to find out how I can go about managing my own DMP if they cancel. - All my creditors have accepted my DMP so I don't think it would be difficult now to manage it on my own. I'm not sure, however, how I would add the Littlewoods debt to it? Do I send them a letter saying I can't afford the monthly payment and offer them a reduced amount? Do I have to tell Littlewoods that I have been in a DMP for the last few years? Do I have to tell the other creditors about it? Any advice would be much appreciated.