dx100uk many thanks for all the links which i have now read. I have just purchased 13 x £1 postal orders and will print out the forms and send them off on Monday. I will keep paying Payplan until i receive replys from creditors and will let you know the outcome. I have not been in good health and could not tolerate the stress of debt collectors banging on my door also receiving threatening letters. dx100uk it is very good of you to take out your spare time to help me and i thank you and everyone else who has replied.