Thank you for the replies, they are uplifting and very informative. I did ring the CCCS today to suggest they ring 1st Credit but they didn't seem keen at all and I didn't pressurise them into doing so.

Hello all, a newbie here (my first post). I have had a DMP with the CCCS for just under a year and everything was just fine. However one of my card debts has now been 'assigned' to 1st Credit. They rang me and their telephone manner varied between shocking and OK. IMHO they'd get better results if they tried being nice but anyway... They are insisting I pay the full balance (circa 5k) rather than what the CCCS are offering (they say thats too low), when I asked what would be acceptable they wouldn't give a figure because: As i'm a 'homeowner' (buts its mortgaged) they're 'taking that route' whatever that is, almost as if a monthly payment to them is not an option. Apparently my case is 'short listed' for legal action. I do want to sort my affairs out but they seem incredibly unhelpful. Can anyone suggest what the best tack is to (eg) ensure they at least comply with the banking code (which I assume they have 'signed upto' and will listen to my circumstances in a sympathetic and constructive manner or am I being naive. TIA mozzat6