Thank you to all of you that has helped by answering my questions so far. Just one last question. I had a car on HP and although I was paying little money to creditors due to being redundant and looking for work I still kept up the car payments until 3 moths ago. I needed the car for going to interviews and the odd freelance work I did. Would this be classed as prefering one creditor over an other as I had not paid the full payments to credit cards and loans, although I have not used the credit cards for 2 years? I did this to keep the car.