Accounts generally go into default once three missed payments are recorded on a credit file. If you request a copy of your credit file, you will notice a row of zeroes and ones running in a line next to the name of the creditor. Each zero means a successful monthly payment, while the ones mean a missed payment.
Needless to say, a string of ones is bad news for your credit rating and every effort should be made to make up the arrears. Fortunately, the lenders regularly update our credit files with details of payments, but it might still be an idea to get some type of acknowledgement from a lender once the arrears are made up and submit this to Experian and Equifax.
Bankruptcy UK offers a full bankruptcy administration service and will submit your bankruptcy application online. Court appearances are no longer required for bankruptcy. Call us for bankruptcy help on 01425 600129 or for an informal chat about your circumstances.