Staff at a major claims management firm have been misleading customers, a Money Box investigation has found.
Beneficial Claims - part of the Yes Loans group, previously investigated by Money Box - says it uses legal loopholes to get unsecured debts, such as credit cards and loans, declared "unenforceable".
But in secretly recorded conversations, staff wrongly said this posed no risk to a customer's credit rating.
The company denies the allegations and said lenders are removing debt from people's credit files.
Paul Lewis interviewed Keith Chorlton and Daniel Wilmot of Beneficial Claims.
Competition returns to the mortgage market
Banks and building societies are cutting mortgage rates on fixed-rate and tracker products.
The average two year fixed rate deal fell to 3.97%, which last happened in July 2003.
Tracker deals, which follow the Bank of England base interest rate, fell to 3.63% at the end of January, the lowest recorded rate since records started in 1997.
The programme hears from Ray Boulger Senior Technical Manager at John Charcol.
Slow Cash ISA transfers
If you have a Cash ISA, you might be considering transferring it in the eternal search for a better rate.
But if you do find a deal with another bank or building society it could still take longer to make the switch than you thought.
Eighteen months ago the British Bankers' Association, Building Societies Association and The Tax Incentivised Savings Association issued guidelines to speed up Cash ISA transfers.
The recommendation is around 26 days for the existing ISA manager to complete their side of the transfer although HMRC rules allow 30 days.
Some savers are finding it's still taking longer than they expected.
We speak to Kevin Mountford from moneysupermarket.com.
BBC Radio 4's Money Box is broadcast on Saturday at 1204 GMT and repeated on Sunday at 2102 GMT.