We've had the same thing! Got letters a couple of days ago saying the balences will be reduced to zero on 8th December and they will accept no further payments. Both myself and partner had credit cards with them and have been on a DMP for the last 4 years. I just rang Stepchange and he said that other people have rang in saying the same thing. The debt is not being sold on it is being writen off! For us the 2 cards come to about 7k so we are pretty chuffed! Just like previous posters we have not been receiving updates from cahoot etc! We've also got other creditors we never hear from such as Egg. I also had a flexi-loan with cahoot but have heard nothing about that. Has anyone heard about people reclaiming interest paid on these flexi-loans? I read a thread on moneysaving expert that says you can complain to cahoot as they kept jacking up the interest rates on these loans without giving any reasons. Just wondering if anyone knows anything about that? Thanks Sean