Financial Ombudsman Service

[Spellkaster]

Presumably because you entered into a reduced ? nil ? payment arrangement with them because of circumstances before default ? so in their eyes they're giving you breathing space to get sorted and back on track without wrecking your credit file ( but they obviously aren't looking at your situation as a whole just their little bit )

Have they frozen interest and charges on the account ?

Yes they have frozen everything.

They are aware I am in receipt of ESA as I had filled in an income and expenditure form, provided medical evidence, and proof of benefit entitlement.

However, they know I can't pay anything as I have less then £1 per week, but they still wont say debt is "satisfied" like my other creditors have.

[Amethyst]

Debt Camel has a guide on getting creditors to default you here - > https://debtcamel.co.uk/debt-default-date/
Getting it written off will take longer but it should at least be defaulted if you're paying nothing.

[Spellkaster]

Debt Camel has a guide on getting creditors to default you here - > https://debtcamel.co.uk/debt-default-date/
Getting it written off will take longer but it should at least be defaulted if you're paying nothing.

Thank you.

What can I do if they still refuse to default!?

[MIKE770]

complaints procedure can kick in