I have default in EX £906 - lloyds current account, since May 2010 - not settled yet EX & EQ very low scoring - managed my easycash with Halifax very well - however they've declined me twice when applied for current account. I'm fed up with Visa Electron but tried natwest yesterday and approved for gold current account. However I didn't want overdraft facility when asked, so probably that's why application gone thru. This is for your consideration, if you need visa debit (no flat maestro or electron); cheque book etc, but no overdraft. You can apply for overdraft later on. That suits me to be honest and I cannot wait when I get my card!  However I don't have ccj, default only in EX. CC & EQ are clean (virgin media&next directory only but all paid on time). Sorry for post in chaos, I'm posting from mobile just to share good news:)