Hello all, I was ill a while back and got into a lot of bother as I had no income. As a result I got a few defaults and outstanding debts that I'm hoping to sort out. One of these defaults was on a personal loan from a major bank. This was mostly paid off and I had PPI on the loan, put on as a lump sum at the beginning of the loan. When I was ill I called them and made a claim on the PPI and they accepted it, but seem to have cancelled it after a month or so. The bank then defaulted and sent a final demand, also closing my personal account at the same time. I've been writing to them to complain, and eventually they wiped the balance and sent me a cheque for about £1k - all thanks to the PPI not paying out, and being charged upfront. Success, in part, but there's still a default and an outstanding balance on the credit file. I've also read through other posts on here and looked into the letters they sent me, especially the Default Notice, which turned out to be invalid. Can I have this easily removed? Also, should I have a default/termination notice or something for a current account with an overdraft that was closed and marked as a default? I've sent them a SAR and found nothing there either. Doesn't seem fair at all. Thanks in advance, JJ.