I was with the Nationwide and I stopped using the account - its was at £1 or osomething but a DD tried to come out and bounced with over the months added up. I was using my new A and L account so I didnt notice. When I did it was sitting at a couple of hundred pound so I was going to pay it the next month due to pay. When I phoned up I was told I wass defaulted and that is that.
When I look at the credit report I was defaulted on the fourth month of the 1st charge which seems really quick.
I have been told if I can get the charges lifted the default will be taken off .