DMP & future

Debtworrier1981

Hi all. 
So I entered a DMP for 30k of debt. I’m currently only paying £97 a month (single mum, 3 kids, part time earnings) 
so, I was looking at my credit file and I can see that all except my debt to HSBC has been marked as default. I thought HSBC had been done too, but I can’t find any letters for the debt. Is there a way to check? It’s my biggest debt too at 13.5k. 

So, my query is mostly regarding the future and trying to make sure I stand a chance to getting a credit rating back. 
I have 11yrs left on my mortgage (roughly 40k outstanding, house value approx 120k). My DMP is set to run 22 or something years. I have made a few cut backs and plan on saving the bit of money I can to see if over time I could increase my payments, maybe pay a lump sum? 

I am trying to work out what the best way to deal with the debt in the future will be. Particularly as I would like to move in/buy a new house with my partner in the long term. I can’t earn more at the moment, if I increase my hours the pay would get swallowed up in childcare, so it’s another 6-7yrs before that can happen. I suffer with anxiety and adhd so I am constantly worrying about it at the moment so would like to roughly work out a plan so I can be focussed on that 
thank you for any help, tips and advice 

Karonher

Sorry I cant offer any help but have bumped it up in case someone else can.

fatbelly

The only thing that strikes me as a bit odd is the length of your dmp at 22 years. Are you doing this with a fee-free provider like stepchange or payplan?

Where there is not a lot of difference in timescale between a dmp and an IVA, I prefer the dmp option. But did your provider discuss an IVA with you?

As for HSBC, have you checked the three main credit reports? Is there any mark at all? If not then you have nothing to worry about