I'd think about using one of the 'paid for' DMP companies rather than Payplan or CCCS. I think the former seem to have a better track record at getting charges and interest stopped.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk