DMP MBNA question

U2fire

Hi, i have completed a DMP myself, all my creditors have accepted accepted MBNA who haven't made a decision yet, what surprised me is my other creditors are owed much more that MBNA ( mbna personal loan of £850) yet MBNA have done a full credit search!
I also have credit card with MBNA will that section also do a credit search? I left one creditor off my DMP, if they see this on my search will they claim i am being unfair in not including them, for future reference would it have been better to include this creditor on my list for others to see but not actually offer them in real terms?
Many Thanks

Triggles

I guess it depends on why you left them off the DMP and what it's for. We left two specific debts off DH's DMP. One, because it was under £100 balance, so I paid that off, rather than put it in the DMP and drag it out. And a second that was in both our names (overdraft), which I am paying an agreed monthly fee on. We reasoned that as soon as he went on the DMP, they'd start pressuring me anyway, so it was best to agree on a monthly payment from the beginning rather than have any confusion on that one. All other debts are in DH's name only.

Why in particular did you leave that debt off? Is it larger than any of the other debts? I imagine they will see it on your credit file and I suppose it's possible it may be questioned. I have found that too much juggling around can make things much more complicated than it needs to be.