What can we do from here then? Is there a procedure we can follow to get this overturned?

I wondered if I can seek advice? Iv had an RBS since 2001 and kept it in good order, however in 2011/2012 I had 1 missed direct debit and this is now how the account stands on my credit file Date of default 31/10/2012 Default balance £ 721 I wrote to the bank in 2012 and also wrote to Financial ombudsman but I only ever received 1 letter back from the bank to say that these charges had not been unfairly charged. Recently the same thing has happened to my partner. He was with Santander and the only thing that ever came out of his account was iTunes, For the sake of £3.41 his Santander account now stands at £600 overdrawn and is still increasing.. .. we need help, we need to know what we can do and if I can still do anything with RBS now that the account hasn't been used for 3 years? These accounts are stopping us from getting a mortgage... does this mean we can claim compensation for the damage? I have read a lot of articles but still unsure what my rights are.