DMP and irresponsible lending complaints

Debtmess2010

Thank you to everyone who gave me advice regarding my earlier post, I hope you don't mind but I need a bit more info if anyone can help id be very grateful. 
So I posted last week about having £43k of debt ( take full responsibility of bad money management) racked up after separating from my husband. So I received the good news that I can work Saturdays which gives me a surplus over around £380 after my priority payments are made so I've decided to enter a DMP which as I've come to understand through reading various posts is to wait for defaults, save the surplus and then once defaulted come up with a realistic payment plan to each creditor, the question is at what point should I send my complaints off? All my accounts are currently up to date as I'm robbing Peter to pay Paul, so to speak! So just wanted to know when's the time to send complaints now or at the default stage? Thank god for this forum it's been no end of help to me, thank you 

ManyWays

I think soon, I dont think there is any need to wait for defaults. But your top priority is to stop making the unaffordable payments, so dont delay this while you make complaints

Debtmess2010

Thank you @manyways I'll send them off today, yes I've cancelled DDs and opened a Monzo account, i feel so anxious about not paying! Hope you have a great day and thanks for replying