Hi Clive thank you for your response, all my creditors are non-priority i believe as they relate to Credit & Store Cards, Personal Loan & a Payday loan. Obvioulsy i would'nt mention what i had done to other creditors and would just send a token payment to them for that month that i would do this. Like you say it would be morale boost to clear these and see a dent made towards been debt free.

Thanks for the quick response, I did think this Pro-rata thing may be a problem. Its just very tempting to be able to clear off some creditors (Would be the first time i have done) rather then paying them a few quid a month for the next couple of years

Hey Everybody, Been reading threads on this site for the last few weeks and have got to say you all give some really great advice and know your stuff so was wondering if you could advise on this. I have been attempting to clear my debts myself trying to reducing payments etc with mixed results, with some creditors agreeing to freeze interest and charges and others not. I am in a situation now where i have 4 creditors who i owe around £100 each which i could clear off in one months payment (paying about £390 a month to creditors) but this would mean that other creditors (I have 13 in total) would'nt receive anything for that month but i would then be able to increase my monthly amounts (I hope this makes sense). So basically i was wondering if anybody thought this would be a good idea or if there are some implications i am not seeing? Regards Carl1983