Hi, Last year I started my own DMP. I have 4 creditors, Barclaycard, Likely Loans, Capital One and Robson Way (2 cards with Newday). Shortly after starting, Barclaycard offered a fixed payment plan for 62 months, the amount requested was below that offered. After a further six months Capital One allowed me to use the card again. Now some questions: How would I put these two on my I & E review? How would the others react this? Do I just carry on and just “fiddle” the figures around the above and hope they don’t notice? And one other thing relating to Robson Way. Newday passed these 2 accounts on to RW quite soon after I informed them, and I mean within weeks. Also, in a communication with RW, it was mentioned these accounts won’t have a lower offer amount if repaid early. Does this mean RW are just collecting the money so the debt doesn’t appear on Newday books? Look forward to your replies