I used to have a credit card with barclaycard and unfortunely it went to arrers,
Thames credit agency took over it and
i set up a payment plan that i could repay the debt back.
the payments went through and
i noticed they never got back to me regarding the outstanding balance been cleared.
i called them and they said to me is balance has been paid in full. so i left it.
years later i was trying to get a mobile phone on contract and got rejected
thought its because i moved house. not until i wanted to get a contract now for the mobile phone an