Hi, I have accrued some considerable debts with a number of creditors on CC and a few loans over a period of 8 years and since i split with a toxic ex and had to start again. following a pandemic which stripped my income in half and around the time my promo offers expired and I was now being hammered with 20% average interest rates things were manageable. I got by by using a CVPP for a year which ended in march. I have since set up a DMP with Stepchange and will no doubt be chased