Thanks. I have written and asked them to write off on the past but not recently .. didnt want to stir up a hornets nest. Stepchange are advising bankruptcy but might just continue as is unless Tax man or one of the others start ptessurising again

Debts are credit card and bank loans and one mail order catalogue.Hm Revenue tax credits and PAYE. I have no assets and no longer work

I have debts of about 22k for which I have been paying £1 pm token payments for several years. I also owe HM revenue for overpayment on Tax Credits but they have agreed to hold back on pursuing for payment as I am 65 and only income is Pension. I would appreciate thoughts on whether I should file for Bankruptcy or can I continue to make token payments forever.