I have had my Natwest current account for over 2 years, I have never gone overdrawn, I have at least £3k a month paid into my account but Natwest wont give me an overdraft. They can see I am trapped in the PDL cycle, paying over £500 a month interest, when i asked at the branch why they wouldnt give me a overdraft they said because I am using Wonga and Wage Day Advance. The cashier even went to say that the my risk factor with the branch was lower than hers. Can anyone suggest a more sympathetic bank?

Hi, this is my first post so please feel free to correct me if I am following the correct etiquette. A long term relationship ended in 2008 which left me with a large amount of debt, some of this debt was ignored until it caught up with me over the last two years, I have now paid off all these debts but the defaults are still hanging over me, they are dated Sep 2008 and 2 of them for Dec 2008. I understand they will be removed from my credit report next year. Other than these items my credit report shows no late payments. I have no CCJs. After my relationship ended, I moved away and left no forwarding address, I am sure the companies concerned would have served default notices, but I never received them. Is there anything I can do to legally get these defaults removed. I have written to Cabot and Lowell (the DCAs) but they have ignored my letters. I am applying for a mortgage soon, but feel it is a pointless exercise until 2015. Thanks for your help