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Advice about creditors and DMPs

Hi there

I'm new to this and would like some advice. Over the past 5 years I have built up a debt of about £42k and now have started to look at entering a DMP with step change. My worries are about my creditors.

I have a personal loan with nationwide of about £14000. Does any one have any experience on them and how they respond to dmp as what I have read is not great! I really don't want to end up with a ccj etc.

I also have 2 credit cards with sygma bank (asda) about £7000 total - again anyone had experience with them!?

I also have credit cards with Halifax and barclaycard. I have one other personal loan with sainsburys.

I really want to know what peoples experience is with these companies and if they accepted quickly of court etc.

Any help/experience would put my mind at rest.

Thanks
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