Is it best to do a dmp or wait for DCA to buy the debt

Money_mess

I'm hoping to get some advice as I'm really confused as to what to do for the best atm. We owe 21k and most charge such ridiculous interest that though I've tried so hard I can't see us getting anywhere and we never have enough money from one month to the next. I want to do a self managed DMP.
For a while I've done a payment plan with Aqua and Very. This was 8 months of Arrangement to pay on my credit file no defaults though I did pay £100 each (completely unaffordable but it got them to stop interest for a while).
So bringing me to now I've contacted creditors. Next, very and Barclaycard I have told all of them I will pay £1 for 6 months then contact them again. Cap 1 and Aqua insisted on pro rata offers from now meaning £13 and £58 respectively. Now I'm thinking not to pay this even though I've said I would because I should pay them all £1 and get my EF together and hope it forces defaults.
If they didn't default me before though will they do it now
? And have I made it all harder for myself by sending in income and expenditure that shows I have £450 to pay across all my debts. So if I say £1 they won't wnat to accept it.
I'm nervous they won't default me and will add interest eventually. I've heard Barclaycard are bad for this.

Essentially am I best off paying nothing and making sure it's sold to DCA. Paying all £1 and hoping they default . Or pay the pro rata amounts and hope they default/don't add interest again

I don't care about getting credit again but I do care about my ability to rent. Also my husband works for a financial company (not a finance related role) so that makes me nervous as well as he has to be credit checked for new jobs so defaults showing isn't going to be great.

Im.just at a loss as what the best course of action would be.

sourcrates

Hi,

As always, a statement of affairs will give us a better idea of your situation, and will also throw up what options are open to you.

http://www.stoozing.com/calculator/soa.php