Hi all, I started a general post (http://www.consumeractiongroup.co.uk...-needed-please) but was advised to post in individual forums - so here goes..... There appears to be some fishy goings-on with regards to an old Debenhams store card agreement to which I have been making token payments since June 06. I received a default notice from the initial lending company in Nov 06, and again in Apr 07. In June 07 I received notification that the ownership of my account had been assigned to CL Finance. I received a default notice from CL Finance in August 07. This agreement recently disappeared off Equifax, presumably as the 6th birthday of the default had been met (or approaching?!?). I have recently received an alert (text/email) advising that a credit limit had been changed from £0 to £900, which I thought was weird as I haven't applied for credit for years. On checking Equifax an agreement to pay has re-appeared from 'CL Finance' with a balance of £903 and a credit limit of £900. I have signed up for a 30-day trial from Experian which shows an agreement to pay since July 08 but repeatedly stating that I am 6 payments late? Surely this is wrong. I understand that my Statute Barred calender has not started, due to my continuing token payments, but I have been informed that all references to a defaulted debt must be removed from credit files after 6 years has passed from date of default, whether paid off or not. I can't see any historical records on Equifax or Experian, if such things exist, so can't see exactly what has taken place. Will the CRAs be able to assist with this? If an agreement to pay has been added, surely this is the debtors doing and the CRAs innocent? Who do I query this with? The CRAs or CL Finance? Any advice on what to say? Thanks all, DD