Hi All First of all, I'm not overly convinced this is the correct area for this thread so please move if needs be (although it doesn't seem to fit in any category ) I have sent my SAR to Gregory Pennington so I can see exactly what I have been charged for doing what. My question is what is deemed as an "excessive charge"? Does it depend on the size of the debt or is there a scale used or a "suggested amount"? I'm a bit clueless here really but after spending 4 or 5 years paying off this debt I want to make sure I wasn't shafted too badly:D (Already guessing I was lol) Thanks Ustasi

Thanks All Decided to take the plunge and have sent a request via Noddle to remove the "debt" as it has been paid, also just to cover my back I have also sent a request to remove it as it is Statute Bared. Will let you know the outcome. Ustasi

No the GP online wasn't available when I went through the plan.

Ahhh Well in fairness to Greg (from what I remember) the plan was completed in the time frame they quoted and I had statement off them every 6 month detailing where the money went (cant check them as they burnt to a crisp keeping us all warm waiting for the Fire Brigade lol). Im more inclined to believe its a mistake from Lloyds side and the CRF was never updated properly, but who knows and if its SB then who cares! lol. Think Ill leave it a few months to confirm the SB then write to Greg asking for copies of all correspondence, statement etc (sorry cant recall what its called) and figure it out from there. Ustasi

Hi All First of all, if this is not in the correct place I apologise and could an admin move it as appropriate A bit of history: Whilst at Uni in the early 2000's I ran up a debt of approx £7000. After many years of ignoring this I entered into an agreement with Gregory Pennington Ltd for debt management. Scroll forward to Dec 2010 I finally paid everything off. Scroll forward to now, I signed up to Noddle to check my credit rating for the first time in years . On it there is a defaulted debt for approx £700. Now I am pretty sure this was included in my plan. The original debt was closer to £2000 and the only payments I paid to my creditors were via GPL. So I believe this is an error. The default date is 24/01/2007, but the record was last updated on 30/11/2012. Now the first thing I would normally do is to check my correspondence from GPL, however we had a fire last year and I lost approx 99% of this. So my questions are: 1) I believe this debt is Statute Barred as the default date is 24/01/2007 (6 years 10 days ago). This as I understand would make the debt unenforceable i.e.. a CCJ. Is this correct? 2) If the debt is SB it should be removed from my Credit Report, however if I request this and it is not SB does this count as acknowledging the debt in writing, therefore resetting the SB clock? 3) if the debt was included on my payment plan by GPL and it has not been cleared are GPL liable for it (obvs I will have to speak to GPL to get copies of my statements etc)? 4) Has anybody got any advise or ideas that I can use (I ran up the debt and have no wish to avoid paying it if I am liable however if it is SB then I will not pay it as its Lloyds mess not mine or GPL if they included it on my plan but did not pay it)? Thanks in advance Ustasi P.S. Great forum and some sound advice being given, wish I had seen it when I was at University and all the hassle could have been avoided!