The account holder should consildate all debts into one with monzo. Then, maybe there is a way of creating a pot, which has reminders. Then put the agreed amount into this every month, bi-weekly or weekly basis. To then have a locked amount of money away to pay off all debts.
I use my pots a lot and also have a lot of debt. I would like to be able to improve my credit rating. I figured this might help others, like myself, to be able to get out of a really hard situation.