Gotcha! Sorry, what is a sar?

No - no debt collation agencies involved at all. Do i speak with exuifax/experian directly or would someone like checkmyfile be able to put a marker on this?

Hi, I've just started the mortgage application process and broker has flagged a default on my account. On further inspection this relates to a student account that Barclays closed without my approval in Dec 2015 due to inactivity (I assume, I hadn't used it in several years). I wasn't served any default notice, nor received any paperwork. As I still have 2 other Barclays current accounts they have my current address even though i have moved several times since. On my credit file, it is showing a default amount of £350 relating to an overdraft on the account. I have spoken to 2 people at Barclays and had 2 conflicting messages. One - yes there is an outstanding debt that you can pay, and two - there is no way to have an outstanding debt because the account wouldn't have been closed, but it definitely has been. I need to get this sorted as it has trashed my credit rating without my knowledge (I should have paid closer attention to my file) but I have no idea how to untangle this and neither does it seem does Barclays. Help!