Urgent advice. DMP now or default first. Please help on a plan

RAS

They must terminate the agreement with you before they can take legal action. Which is why you need to read the mail because you need to respond promptly. Ideally, have a paper file for each creditor and once a week, open the mail, file most of it after a glance.

If you get a default, the provider might tell you how to pay, assign the debt to another company who will tell you how to pay, or sell the debt on to another company, who will tell you how to pay. 

At that stage it makes sense to make a monthly payment if you can. Make sure your budget is reasonable but not overly generous and don't be freaked into paying more than the creditors fair share if they act early, otherwise you get in a mess later.

If you don't pay anything, creditors are more likely to pursue legal action. On the other hand a few seem to lose your file, in which case don't prod the sleeping bear.