Hi folks, Im trying to deal with an unfair default placed on my file by a bank regarding my student overdraft. Ive sent a CCA request under Sec 77, but the bank keeps replying under Sec 78 with nothing but a statement of account! Anybody have a better idea on this? Thanks all

Hi all, Firstly im not new to CAG, but got a bit worried about my login name being a little too similar to my real name, so another member suggested I changed it. Please dont think i dont contribute where I can! Anyhow, I have a RBS student overdraft default that i dont think i should have received. Ive been paying them back the debt i owe on time and have never heard anything about a default! I only found it by chance on my experian report. So I followed the advice of another thread and sent a CCA with £1 fee asking for original copies of the agreement and original copies of the default notice. Today they have replied but I am totally lost as to what to. It reads... "The bank is required to provide you with a statement of account, found below. We can also confirm the default letter was sent on the 03 July 2007 to this address (my current one). We are unable to reproduce this document as it is a system generated letter, therefore we cannot provide an original default notice as requested. Should you have any further queries...." They havent provided anything of use to me at all! What should I, or what can I reply to this? Im so frustrated and really havent a clue what to do now?! Anybody with any advice would be very welcome! Thanks in advance