That's brilliant. Thanks for your help.

Oh good! I'm so pleased we've made contact. I will also be sure to keep you posted. Like you, I definitely was not informed of any effect on my credit rating, nor that this was an arrangement to pay. They did not freeze the interest and I kept up at least the minimum payments (whether I paid more I'm not sure - I'll have to check that out). As you say, this does not fit the ICO definition as to what constitutes an Arrangement to Pay and therefore surely having it marked as such on your credit history is misinformation.

Could you please change the title of this thread? It is not about a default but an Arrangement to Pay and I want to attract others who may have experienced the same thing? Thanks

I replied to this because I am in exactly the same position as you and I thought we might be able to help each other but it's been moved to another thread. Just hope you see it there.

I am also now sending a SAR to Egg with the intention of challenging this Arrangement to Pay.

I am in EXACTLY the same position as you. I'm so pleased to find this thread. I was also very surprised to discover and arrangement to pay from Egg showing on my Equifax report (it's not on my Experian one). I am absolutely certain that I NEVER agreed any arrangement to pay with Egg and I NEVER paid less than the minimum amount. What did happen was that I went over my credit card limit (only slightly) and they increased it for four months from Dec 2008 to March 2009. I discovered this last year and queried it via Equifax but they came back saying that Egg had looked into it and they hadn't made a mistake. I didn't take it any further because I didn't know what to do and at the time I wasn't applying for credit etc anyway. But I am now trying to rent a flat and this is coming up on my credit check, despite the fact that in every other respect my credit history is perfec t - there's not even a single late payment. It seems incredibly harsh that having increased my credit limit five years ago for a period of four months (the entire balance of the card was cleared in March 2009 and the account was closed) should have been registered on my account in a manner which is having such a negative effect on my credit rating and causing me such huge problems.