When you're in arrears, it's always best to get back on track as soon as possible. Setting up a Promise to Pay will give you a clear path towards clearing your arrears. Once you have one in place, we'll know that we don't need to contact you regarding your arrears or chasing you for a payment.

However, it's important to be aware that setting up a Promise to Pay won't clear any missed payments that have already been recorded on your credit file.