In reply to Dom.
when setting up a DMP, they would ask for payslips and bank statements which would show the back pay, so maybe that’s the reason they would know.
The lenders? No, they don’t normally ask for anything like that
Owing a credit car£ debt to you4 mortgage lender will not affect the mortgage if the card debt goes into a DMP.
Seriously you are worrying too much. Ditch StepChange and either talk to Payplan for a DMP or opt for a DIY option. These can work very well.
I do understand that this feels scary. Why not post on the MSE debt help forum and see what people there say? https://forums.moneysavingexpert.com/categories/debt-free-wannabe
