Settling my debt

[Frankie66]

Hi, new to this site, so any advice would be gratefully received.
Lost my job a few months ago, but have a lump left (24k) that I hope will clear most of my 48k debt.
I have had the debt (credit cards) since 2007 ish and entered a debt management plan around 2010 after struggling to keep up the payments.
My wifes salary and working tax credits do not give us a sufficient amount to carry on paying the debt plan, or if so only a tiny amount.
Most of the card have been sold onto other collectors apart from Capital one.
What is my best option with the lump I have left in order to rid myself of this situation?
Do I ask the Debt Management company to come up with the figures to pay some debts off?
Can it be done myself? I am not the sharpest tool in the box!
What % I am realistically likely to have to pay back?
We are currently in a moratorium state with the plan at the minute, which will end shortly and I need some help if possible on the best way forward.
Thanks for taking the time to read this.

[Kati]

tagging Debt Camel xx

[warwick65]

Hi
It may depend on just when in 2007 the cards were opened

If it were me , I would be looking at sending a CCA request to each of them, this will see if the new owners actually have the means to enforce - if they don't you can either carry on paying, stop paying or use it as a bargaining tool to get a lower full and final settlement

[Frankie66]

Hi,
Thanks for the advice, I will look into that tomorrow.

[seduraed]

Who are you in debt management with? There is no need to pay a fee to any debt management companies .

[Frankie66]

moneysave, used to be eurodebt, not sure what % they would take for negotiating the settlement.
I paid them approx. 3k initially at the end of 2010 at the start of the management plan.

[Frankie66]

Am I best getting Moneysave to sort out the settlements or would they take a large %
Is it best to do it myself? struggling with it to be honest, thanks.