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I have been a customer with Lloyds TSB for over 15 years. My primary account is with another bank. I only have a basic account with Lloyds. I recently checked my credit reference file and it showed 1 x late payment/ arrears for this account. I was quite surprised as I had not used the debit card associated with this account for approximately 1 year and have no direct debits or standing orders with Lloyds TSB. I have subsequently found out that 3 x continuous payment authorities brought the account into the red, then bank charges and interest brought it over the limit. Whilst over the limit a further continuous payment authority was honoured by the bank and then further charges lead to the account being approximately £200 overdrawn although the amount of money debited from the account is £70 all of which is due to continuous payment authorities which I have to say I was not aware of. I have written to Lloyds TSB asking them for the late payment to be removed from my credit file however they advise me that a default notice was sent to the credit agency. Lloyds TSB has never reported any information to the credit agency previously and although they say that a default notice was served the only information recorded by the agencies is 1 x late payement My issues are- this is a basic account and I did not authorise an overdraft or sign documents to consent to an overdraft. I did not agree to the debits being made whilst I was overdrawn The charges are excessive I do not understand how I can default on an agreement I have not signed or verbally agreed to The information reported to the credit agencies is inaccurate both in terms of the default being issued in the first place and also in terms of historical data (there is no other information recorded) If anyone can help it would be greatly appreciated. I can pay the money owed but I am very worried about the adverse information. I have read the BCOB guidelines but dot know of any templates I can use to write to the bank.