Thanks David and Bazooka Boo. I have checked my credit file previously with Equifax, and did notice that one of the debts wasn't listed. I contacted Stepchange, and they said it might be because different credit agencies show different information? I will do another check tomorrow. All of the debts are relatively modern, but I will also request information via a CCA request. Thanks for your help, and I'll try and update as soon as I get any further info.

Hi Bazooka Boo, and thanks for your reply. The debts are two credit cards and one unsecured personal loan. Marlin have taken over a personal loan debt from Northern Rock, and I'm paying them £160 per month on an outstanding debt of around £6800. Those payments are being made via a DMP with Stepchange. The loan was taken out in 2006. I guess as I've been paying Marlin that I have accepted the debts are legally owed? I haven't claimed back any PPI (as I didn't take any out on any of the debts) and have not claimed back any charges. You are correct in saying that these are not priority debts. Thanks for your help.

Hello, and apologies if this is in the wrong location or is a well worn topic. I've read through many, but I'm not entirely clear. Within the next few months I will be made redundant. I also have unsecured debts of £16,000 which I'm paying back via a DMP. I should received a redundancy payment of around £8000, and I was wondering whether it would be worth my while offering a share of this to my three creditors? Is it likely they would accept? Two are debt collection agencies (Aktiv Captial and Marlin), one is still with the original vendor (Santander). Would I be wiser to offer less than my maximum amount as an opening offer in case my creditors come back with a revised settlement amount? Obviously I don't want to rip anybody off, these are my debts after all, but I also would like to rid myself of the constant worry about money and job prospects.