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Hello, this is my first ever post!!!! I am looking to clarify some information i have heard please if anyone can help. I got into and am still in a big financial mess due to long term ill health and not being able to work. I had 13 credit cards and 4 bank accounts that all defaulted about 2 years ago. They are with all the main institutions... Halifax, RBS, MBNA , Barclaycard, HSBC etc. I have standing orders set up paying them all £1 per month, as advised by the debt charities i spoke to. All have frozen interest and charges, and have not sold on the debt due to my ill health. This is what i want clarity on please: 1. After 6 years, I understand all info relating to those cards disappears from my CRA files, but what happens to any debt still left unpaid? Does this just get written off? Clearly at the rate of £1 per month, in 6 years, only £72 will have been paid off of each card! 2. is it a good idea to continue paying £1 per month for all this time? Thanks you all in advance.