John has had some difficulties managing his debt payments, particularly with his mortgage. He fell into arrears, accumulating a payment shortfall of £5,000. John overcame the cause of his payment difficulties and arranged to pay an additional amount per month to clear the arrears while continuing to make monthly mortgage payments. Despite some complexity in how his payments were calculated by the lender, John continued to meet most of his additional payment agreements, and the arrears were eventually cleared in just over three years. His overall payment history shows that he faced challenges but made efforts to manage and repay his debts, including overpayments that may have led to faster mortgage repayment than originally planned. However, there was a period where his credit report reflected these arrears. John's payments lacked clarity at times, and he may have faced financial disadvantages due to how payments were handled by the lender.

In summary:

• John had mortgage payment difficulties and arrears.
• He worked out an arrangement to pay extra monthly amounts on top of his mortgage.
• The arrears were cleared in just over three years.
• There were complexities and overpayments, leading to possible early mortgage repayment.
• His credit file showed arrears during this period.

This provides a detailed view of John's debt payment history and management.