Hi
Thank you for coming back to me so quickly.
I have been paying via stepchange - initially £5 per month, then went to token payments and have this month started paying £5 per month to each creditor again. I've never technically missed a payment in the sense of always given something even if only £1 but the monthly payments are supposed to be £200+ To very alone.
Very is with nco although when I called them to ask to speak to someone about this issue they said it was nothing to do with them so guessing it's a front and not actually been sold on yet.
The debts are credit cards and the shop direct account and were all taken out 2010 onwards I think. I've never heard a word from the other debts, never called or hassled me just accepted my situation, defaulted the debts and take what they're given without question.
Thanks