Hello thank you for the reply, I've Done the who complaint thing but getting nowhere it wasn't a direct debit, it was a card transaction for KFC!!im going round in circles with them Thank you

Santander debt/default help remove it??? Hello Were too start, my husband had an old bank account with the Abby national and had a very basic visa electron card this card did no t allow you too even spend a penny if u did not have it in your account. When Santander took over they upgraded the cards too a visa debit card wich was meant too have the same facilities as the electron card. We moved houses changed our address with them and eventually my husband got a letter saying he was over drawn by £127.00 with charges the official amount was for £27.00 My husband was trying too figure out what it was for, we checked his credit report and they have defaulted him, we have no idea why they allowed him too overdrawn in the first place and we are arguing the point with them that we have also never received a default notice from them, my husband has put a notice of correction on his credit file as this is the only thing he has. I have asked for a copy of the default notice they sent but the complaints department don't have a copy of it as it is from soo long ago nearly 2 years in February ? I am arguing with them over this what do you advise as they have been so unhelpfull? I want this removed urgently Any help is much appreciated Thanks Charlie

Hello there I need some advice and not sure where too start? I live in scotland and I have a debt which is over 5 years old now I understand it is statute barred in scotland now (5 years) cause I live in scotland. I have a template and I am away too fill it out I have one problem tho I do not have any account ref number as I have only seen it on my credit report file? Do i put details down of my previous address or my date of birth? Regards cx