Very/Littlewood's Catalogue Debt won't stop interest

Hi I wonder if some one with a similar experience with very or knowledge can help me. I am doing a self managed DMP with NEDCAB and everyone has stopped or reduced the interest except for very. They have advised that they will initially allow a 3 month plan of the proposed payment but there is no way they can stop the interest. I initially called them and the girl I spoke to kept advising I go through step change?. The amount i have offered would not cover the interest. I also have a number of late charges at £12.00 a go and 2 x £12 for there collection dept calling me and 1 x £12 letter from there collection department.



I have verbally asked them when I started the account they said 2008. Would it be worth me getting a copy of my CCA which may give me more options in negotiating the interest.

Very/Littlewood's Catalogue Debt won't stop interest