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Pro-rata payments are flexible, meaning payments can change to match your circumstances.

Creditors will be asked to freeze interest and charges, so that debts do not increase.

You are responsible for distributing payments to your creditors.

Interest and charges can still be added, so you’ll need to persuade the company to freeze the charges to stop the debt from increasing.

Paying less than your contractual monthly payment will be recorded on your credit file, meaning it may be harder to get credit in future.

If your creditor does not agree to the offer, recovery action can continue.