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Help needed for f&f settlement with egg loan please!

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Hello, can someone give me some advice please? Or point me to the right direction to get help. I've 9 creditors and planning to offer F&F settlement as a member of family have offered a lifeline. I've been on a DMP with Payplan since Dec 06, with the rate I am paying, it won't be till 2047 my debts will be paid off:sad:!

I have managed to post most of my creditors cca's so far and really am struggling to get any advice to see if they are enforceable so that I know where to start. Thanks bobo





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