Hi, I will explain what has happened although screen shots will also help. I had a halifax current account which I got into financial difficulty. Halifax started spiralling bank charges after bank charges and put me into a spiral of debt. I had an agreed overdraft however due to their bank charges went over the agreed overdraft limit. they have applied a default to my account 10 months later (which i have disputed tonight as being too long (over 6 months) with noddle, experian and equifax). During this time they were aware I was under financial hardship and in the end they paid me back over £5K !!!! This then went into that current account cleared all their charges and the very small amount i owed them only £135!!!! After all this I was left with over 3-3.5 k. I want the default removed and ALL the negative entries from june 2009 as since they had to pay me so much back I was in credit with them not in minus. The only reason I got into debt was because of spiralling charges!!!!!! need advice and suggestions how to tackle this, even if it takes me years I will not give up until I win this case even if I need to start court proceedings. See screen shot attached If you need any more info dont hesitate to ask. Sorry for typos and or if I have not explained everything perfectly? Thanks Justme2014 PS: Have gone via the ombudsman and ico about a year ago however failed to come back to them within the 6 months and halifax used that as there final response. I had also requested from Halifax copies of the original agreement to no avail! I have written to their ceo office who reiterated the final response letter from before telling me there not interested. time to take these guys to the cleaners, I may even sue for compensation, not a big fan of Halifax!