We have only had the odd missed payment on all accounts, no court letters etc

Santander - 9 months (was a 34 month HP) Llloyds - we have been banking with them for 7+ years, but overdraft 1 year Top up car finance (with creation) - again, 9 months Hitachi capital - 7 months (Was 30 months to begin with) Isme - 4 years Next - 3 years

Hi everyone, Basically between me & my husband we have £18,000 of debt. £6,000 - Santander (Car HP) £5,990 - Lloyds TSB (Overdrafts) £1,700 - Top up for Car HP finance £2,000 - Hitachi capital (CSL sofa) £1,700 - ISME catalogue £700 - Next directory This is around £1,000 per month, NOT paying off the overdrafts, just interest! Hubby earns £1200 a month and i am unemployed due to a terminal illness. We have 2 children. Monthly income is £1600. So once petrol and food/baby items have been paid for, we're left with nothing. I have looked into a payplan DMP, and have been offered it at £330 a month, then £240 for car HP as they can not take that on. I have read that they often can't stop interest and that gets added on at the end of the plan, meaning we'd need to pay for a long longer. Does anyone have any advice for us, should we be taking this path? Or are there other options?