Hello Boy, I saw your post about getting the default removed on your HSBC credit card. I have a similar situation with Santander. I opened a student account with them and had an issue with being overdrawn. They charged me £200 in charges and I refused to pay them back until they removed these charges. I checked my credit rating and found a default on my name from them. I contacted them and they said they sent a letter. I asked for a copy as I did not receive one. They said they did not need to send the original document to verify there claim. Surely if they had it they would just photocopy me it? Could you help me as what to do next as I would appreciate it greatly. I am 23 and just starting my work life and this will hang on my head for 5 years. I feel they are being harsh and not taking reality into account that I am young and this was all over the fact they put charges on to my account amounting to £200. Many Thanks Daniel Williams