No I don't have any debts in similar situations, I've dealt with other matters.
Shame really, as I was hoping to come to some sort of repayment plan. The customer service was poor from FD, but will discuss it with HSBC repayment team to try and gain more information.
I'll be 30 when the 6 years are up, no idea what my credit history will be like in terms of applying for mortgage etc.