One of our customers recently came to us under huge financial stress. Their credit card statement clearly showed a minimum payment of £111 per month, but the company was demanding £243 per month — more than double — using threats based on the FCA’s “persistent debt” rules.
Let’s be clear:
✅ These rules do not give lenders the right to force unaffordable repayments.
✅ They are meant to protect customers, not push them into hardship.
✅ Your contractual minimum payment is still valid, and if you can’t afford more, you are within your rights to stick to it.
How to Deal with Credit Card Persistent Debt
If your credit card company asking for more than your minimum payment? If you’ve received a credit card persistent debt letter. Know your rights under the rules—and how to push back fairly. If they don’t resolve it, you can escalate to the Financial Ombudsman – and you may win.
At Golden Shield Consumer Services, we’ve seen this too many times — and we’re here to help.
📨 If you’re feeling pressured, message us or visit
👉 www.goldenshieldservices.co.uk
Let’s stop the intimidation and stand up for your rights.
