Sorry what I mean is, I know that if I go to the citizens advice they will ring my creditors on my behalf and try to sort out a payment plan.
I spoke to them (creditors) yesterday and they said I can speak to them myself.
But am wondering if they will treat me the same, give me all my options or the best way to help me. I assume the CAB know the 'rules' anyways and will be able to sort the best thing for me, but it sounds like it will be a long wait with them.