DMP vs Loan

I have been offered a DMP and need to make a decision .

15,000 debt on CC overdraft and store cards

Employed, no house or mortgage, renting currently.

I have read on here that creditors will accept 50% of debt and write off, is that correct? If so will i be better getting a loan for half amount? and paying off creditors? this should be less monthly payments than DMP plus leave Credit score ok?

I have also got an issue with DMP and being able to keep car on road. I have service\mot\tax\and insurance all due over next few months. The loan option would help here, if DMP how will I manage this.

Also I will lose bank account (overdrafy and CC with them) so will lose AA cover and mobile phone insurance with account. so will have to find money for that.

Will be getting a bank account that is 'high street' going to be possible with a DMP? I would definately need a debit card and facility to pay cheques into etc.

As far as I know my Credit rating should be ok. I haven't missed payments but am struggling and just paying off interest on most of debts. However my bank refused a consolidation loan so expect I will have to go with higher interest rate if I go with Loan instead of DMP.

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