The important things

It is difficult when in debt to weed out the unimportant goals. Focusing on controlling the problem is key to achieving the best outcome.
Allot of people get hung up on gaining an official acceptance while in a debt management plan. While this is a great goal to go for it is not the be-all and end-all. The main aim should be firstly to control the balance so it does not get any bigger.
As long as the interest and charges have been stopped does an official acceptance of any lowered repayment matter? I say not.
It is often necessary to alter your way of thinking when dealing with banks and debts, a harder approach to the actual figures and thinking about how you force banks to do things rather than them forcing you to do things. The banks have been built up as an authority figure in the public's mind but remember they are just a business selling a product.
The public is protected by the Law (generally to the detriment of the Banks) so when a Bank next asks you to do something, think whether you want to do that thing. If you are unsure, get some advice. There is lots of free advice out there, Debtaid Ltd (www.debtaid.ltd.uk) can provide this and there are many more arrears of advice that can and should be looked at.