Hi, I have around 30k of debt spead across two cards at ridiculous interest rates (around 30%) which has destroyed all of my disposable income. I have been offered by a family member to settle the lot and I can repay them once I sell my flat. Having seen this thread I am tempted to try it but want to avoid dodgy credit ratings (i want to buy another flat at some point). Has anyone else succeeded with this approach and is the credit file at Experian definately clean? Have you actually seen yours andie? Only I found a similar thread to this one about F&F somewhere a couple of hours ago where it mentioned having marks on your credit file for years.