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Have you received a 'persistent debt' letter?

If you're making minimum payments to your credit card, store card or catalogue account, we can help.

I have a persistent debt letter  How can I pay it off more quickly?  What should I do with a persistent debt? How do I repay more of my balance?

How do I repay more of my balance?

  1. Increase your monthly repayments
  2. Repay the balance using credit with a lower interest rate
  3. Cancel this credit card and move the balance to a different one with lower interest
  4. Get a loan you can afford to repay
  5. Shop around for the best deal- use a price comparison site

Use a provider that offers a ‘soft search’ before applying for a new product. This will not affect your credit file.

If you choose to repay your balance with other credit: Make sure you keep up with repayments to avoid extra charges.


What can you do now?

  1. Ask them to stop interest and charges for a while
  2. Tell them you have found a better deal and see if they can match it
  1. Add a set amount to your monthly minimum payment
  2. Set up a monthly payment that is the same each month
  3. Put together a budget and see how if you can afford to repay more

It will be easier to pay off if you stop using the account and increase your monthly repayments.


Is there anything else I should do to help my finances?

You need to think about your situation and take action that works for you.

  1. How much do you owe?
  2. What are your creditors looking for?
  3. How long will it take to pay everything off?
  4. How will this impact your credit score?
  5. Is it affordable?

Are you worried about money?

If you're worried about your finances, use our free online debt advice tool today.

You'll get personalised advice, and we'll find the right solution.

Get debt help

Debt happens. We deal with it.

We have helped millions of people since 1993.

Find out how.

"Why didn’t I contact you sooner?"

"Excellent service. You have given me my life back and I can now sleep a little easier at night knowing that my debts are manageable.

"Thank you."

Dorothy, Feefo Review