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.