Hi,   Apologies if I don’t get the etiquette completely right this is my first post. Thanks for reading and I hope you can advise.   I started my DMP late 2007 (edit typo should be 2017 - dx) with debts totalling 47k (all unsecured credit cards and a loan). I joined StepChange and have been paying approx. £950 a month I am now down to 19k and have decided to go self managed to have more control with how I pay my debts.   I have 2 large debts Intrum (o