1. OFT Debt collection guidance 2011 update Office of Fair Trading Gordon Ramsay – Head of Debt Collection Jane Shepherd – Principal Debt Policy Officer

9. ‘ Sufficient’ Data 3.19 a) creditors failing to ensure that sufficient information held about a borrower in relation to the provision of credit to him is made available to its department/staff involved in debt recovery 3.19 g) creditors passing on inaccurate, out of date, or insufficient account data/debt history to other parties involved in the recovery process