DMP Advice Please

We are a couple in our early 50’s, rent our home and have just one asset of any value (car worth about £8,000 which OH uses for work – commutes 50+ miles per day). We have just over £80,000 of unsecured debt, a mixture of credit cards, overdrafts and a loan (due to a mixture of a period of unemployment and general lack of budgeting properly). Although we are up to date with all payments (we both work now), we are only paying the minimum cc payments, are paying nothing off the overdrafts and have been using credit for food/petrol and other essentials. We will run out of credit eventually, though not for a fair few months, and we want to address this huge amount of debt before we get to that point.

Things we/I have done so far:
Lots of reading and research on here.
Talk to each other about it (that one has taken a lot of effort on my part but my persistence is now paying off).
Sold lots of stuff (this is ongoing – we will empty that loft/shed!).
I have sorted out all our paperwork (something we have not been good at in the past) and set up a spreadsheet which shows all our income and expenditure over the last 18 months.
I have set up a new spending diary which we update every day then once a week I transfer the details over to the spreadsheet. I have just begun to do more detailed tracking. For example, rather than putting the whole supermarket spend into “Groceries” I go through the receipt with a highlighter pen and split out things like “Beer and wine” into a separate category.
Whatever option we decide on we know that we need to address our spending habits and that is the reason for the spreadsheet/new tracking system. I think we have pretty much got this sorted (we are in the energy saving club, I shop at Aldi and cook from scratch, etc) except for the beer and wine spend – hence the need for that category. I need to be able to put that figure under my husband’s nose. We have done much better so far this month, in spite of an unplanned visit to the vet.
I have done the Step Change Debt Solutions tool, set up a budget with them and had a conversation with them about our options. They have recommended an IVA, DMP or Bankruptcy. Currently we are paying just over 1250 pcm into the loan and cards and Step Change reckon we should be paying approximately 850 pcm into a DMP.

All things considered, we want to give the DMP option a go - probably self-managed because one of the loans is for the car and we would prefer to keep paying that if possible. I am conscious that we need to do things in the right order and this is what I think we need to do next:
1. Set up a new joint bank account that is not related to any of our creditors and transfer all essential DD’s to that account (rent, council tax, fuel etc).
2. Write to all our creditors and explain the situation and ask for 30 days to sort things out.
3. Delay the start of the DMP until we have a small emergency fund built up.
4. Write to our creditors and offer new monthly payments.
5. Set up said new monthly payments.
Have I got those in the right order? Will setting up a new account and having our wages payed in to that ring alarm bells with our existing bank (I want to make sure our wages are actually paid into the new account before I send any letters)?

The car loan is relatively new. Both our old banger cars failed earlier this year. We got my old banger going again and it suits me fine. Husband does a lot of mileage and is more in need of a reliable vehicle and he got a good loan deal on the car (4.5%). I’m not 100% sure if it is a secured loan – the cars details are listed on the paperwork but there is no mention in the small print of reclaiming goods if payments are missed. Would it be OK to carry on paying this loan while putting all other creditors in a DMP?

I’m also interested in trying out the CCA request thing to see if some of the cc debt is unenforceable (the two biggest credit cards are in my name and I have had those accounts for more than 10 years – M&S and Barclaycard). At what point could/should I do that?

Thank you for reading. Any advice will be much appreciated.