Hi Agian Thanks for the help last time, i decided to start saving up the fee. The problem i have is i know i have to pay each creditor a token that equal but i have 3 ccjs and i cant reduce them but i dont wont it to look i have been unfair. Also i have a loan with provident who visit every month, what would be the best way to approach them as i dont want to make it awkard for my wife. Also i have payday loans that i cant afford to pay, seem to only ever pay intrest, do i tell them of my plan and only pay a token. I swear it looking very bad for me