Hi, Can some please advise me if im in my rights or not. First Nationwide FLEX ACCOUNT. I opened a flex account in 20-4 with nation wide being unemployed at the time the account was running excellent as i would have my income support go in on a weekly basis then they made me over drawn but taking a debit fee charge of £20 so i closed the account in 2008,well i thought i had now i look at me credit report and they have put a default on me for the sum of £298 and just that they have placed the debt with Lowell in which im unaware of up untill now can i make a complaint regarding this as nationwide took the £20 and placed all these interest fees on my account the account i thought was closed??