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2) Beware of companies who offer this service with no legal back up for their promises. You probably tried to make these arrangements for yourself years ago and you saw how that turned out. Be careful. Many consumer s have been bitten by these promises. Rather stick to the plan you have if possible. From time to time the DC and Creditors will talk about improving the calculations and speeding up the process to get you even bigger savings over time. It is a pity you had to pay more but remember with your past payment problems you were in for a lot more interest than you have had under debt review so you have still saved a bundle and reduced a lot of your stress along the way. When repaying your debts directly to your creditor it can cause accounting differences with the figures tracked by the Payment Distribution Agency It is not a bad thing to pay the debt but normally better to do via your PDA so that you can later balance the books if the creditors start making up stories about whether they got paid or not.