Damaging my credit file for 6 years to force payment On 12 August 2025, a Scottish Power representative admitted I was never notified before an Arrangement to Pay marker was added to my credit file, and confirmed that rules and regulations were not followed. This extremely adverse marker can remain for up to 6 years, yet they refuse to remove it unless I pay the account in full, knowingly causing long-term harm to my credit rating and increasing my cost of borrowing. This raises serious concerns about their processes, procedures, and care for customers. I will be escalating to the Energy Ombudsman, Ofgem, and ICO