thanks for the quick reply!! someone buggered with my bank account and i withdrew some money from an atm.it turned out that it wasnt my money so i had to pay it back!i didnt even know all this until i wanted to close my account and they wouldnt let me.finally they said they would start some investigation and i close the account.several months later i opened a new on eat a different bank and i got a love letter from wescot saying i owed the amount i had withdrawn from the atm since it wasnt mine.i had one month to pay it back!i didnt want to get into deeper trouble so i paid £50 immediately over the phone and set up a DD for the rest of the amount.it only took two payments to clear my debt.apperantly wasnt good enough cos when i went to get a contract phone in september they made me pay £200 deposit claiming i didnt past the credit check!!Thats when i thought a little black mark must still be next to my name!And its been 2.5 years!!! appreciate ur help!!! dee-dee

Can pls someone help me?Two and a half yrs ago i owed money, paid it back immediately and my credit rating hasn`t been the same since!Is there anything that i can do to get my name cleared? Appreciate any help!!!