The problem with setting up Direct Debit with DCA's is that you have less control over the payments. However, if you make payments to creditors and Debt Collection Agencies by standing order, you have control of the monthly payments. If say for example, you have a drop in salary, you can instantly via your bank change the Standing Order accordingly. With a Direct debit there is less control and also, creditors can increase payments from their end. So if you want to be in control then Standing Orders is the preferred option when managing a Debt Management Plan.