Hi Everyone, some really useful information about so thanks for that. Got a few questions please. I did have a default notice on my credit account, for £350 for an overdraft I got into trouble with, but it seems to have vanished? Do they go after a certain amount of time?? Another thing is, I am trying to get myself debt free for a move to Brighton but have recently noticed Vanquis Credit Card have defaulted me, and so I have another default notice on my account. I remember my card had a limit of 500, and the total owed is 650, so they have applied some charges. As these charges would be seen as unjust and unlawful does this mean the default is not valid. I want to get it removed from my credit file you see, as hoping to get a loan to do my PHD down south in a about 15 months time. I have a letter template to send to cabot finance (thats the dca who have taken on this debt), it basically says I am in dispute of this debt and the amount owed, and that I require info on my liability for this debt. I asked for a reply with 14 days. Is this correct?