I have received a reply from Barclays where they confirm that the direct debit was set up on the 30.07.2008, the problem is that I relocated out of the country in May 2008. The initial direct debit was set up in 2005, and when I cancelled the insurance Tesco apparently requested to set up a new direct debit with Barclays, and this was agreed by Barclays without notifying me. How is it even possible that a bank like Barclays agree to set up a direct debit against a personal account without confirming this with the account holder? They treat this as if it was some sort of public property available to anyone in need of some cash.

How common is it that a company agree to remove a credit report instance in case I agree to pay the alleged debt in full? Currently, my credit report lists this as "Defaulted". What impact would it have on my credit report if I agree to pay (even though I don't want to and might not be legally responsible for the debt). Anyone who knows?

I tend to agree. Unfortunately I didn't cancel in writing, I did this on the phone. However, at the time I canceled the insurance I required one more month of insurance. This was not possible, so I paid 3 months straight away. This money did NOT come out of my direct debit (I cancelled it, remember..) In my opinion Barclay's owes me £1600, any clue as to what I do to claim the money back? Remember they have closed the account (no doubt in an attempt to wipe out the traces of their act, whatever it is called...).

Sorry if I post this in the wrong forum. 4 years ago I relocated to Asia. For this reason I sold my car and cancelled my insurance. I left £1600 on my Barclay's bank account. In December 2011 I attempted to transfer £44.000 from Asia to my bank account, but the transfer failed. I couldn't figure out why. I relocated back to UK in February only to find out that my account had been defaulted and closed. After some investigation it turned out that Tesco car insurance had opened a new direct debit against my account to insure a car I no longer owned. The £1600 had been spent on this. As a result of this the £1600 was gone, and when the overdraft wasn't paid the account was closed. My Experian credit report was struck by a defaulted account with Barclays. The amount is £315 The dept has since been "sold" to a company by the name "Lowell Portfolio". Lowell didn't have my address since I was living in Asia, but that didn't stop them to register a defaulted account with Experian. The defaulted amount is £316. Lowell has also registered one more defaulted account with Experian, this amount is for £913 After talking with Lowell, I have announced my willingness to pay the incorrect alleged dept if they agree to remove the defaulted account from Experian, but they refuse to do this. I have also agreed to pay if they are able to provide details of the dept in question, but so far they have not been able to provide ANY details that shows exactly HOW this alleged dept occurred. I don't have any financial difficulties or problems paying this dept, but I feel bad about paying something I shouldn't, especially since I am being penalised for it in my credit report. Should I pursue this legally? How do I do that?