I have a next account that was defaulted back in 2006 i have challenged this as i never recieved such default and i am on 3rd letter requesting removal if they cannot substanciate this.(next head office). since i made contact with next the debt has been passed from london scottish bank to debt mangers ltd and both companies have registered defaults now for same acc.yet neither company or next will help on the phone so is there a legal template or advice. As having 1 default is bad but 2 for same thing is frustrating. please help