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If you set up any sort of debt management arrangement and have debt with your bank, or any institution that is financially linked to your bank, you need a new account into which your salary and out of which DDs are paid.
If your credit is impaired, you may be advised to get a basic bank account. Card access, DDs and internet banking but no overdraft.
If you've have not made a mistake, you've made nothing
You can set it up yourself, plenty of help out there e.g nedcab have a really good step by step site but many set up via Stepchange or Payplan, Christians again Poverty and then once everything has settled down take over it themselves for a little more control over who gets what and when.
"You've been reading SOS when it's just your clock reading 5:05 "