Contacted Stepchange, considering DMP, afraid of Shop Direct etc continuing to add on interest and late fees, have been charged hundreds over last few years, if I can get any back that would help. DEBTS: VISA 5300 no missed payments ISME 1600 (570 in arrears, not making min payments at moment) FIFTY PLUS 440 (100 arrears) KandCo 60 CAP ONE 200 CAP ONE 190 TSB 500 CO-OP 400 Income 1150 mthly. Basic outgoings 900, min payments 320. Am thinking of paring food, etc right down to £25 week just to try to get rid of the catalogue debts. They are already phoning every hour or less, not answering at moment. Letter from one asking me contact Reliable Collections. Would just go with Stepchange if not afraid of cat debts going up instead of down. Any advice much appreciated, apart from anything else I need to figure out how to do SAR to them. Thanks.