Great news! Do you plan to claim for compensation from MKD LLP via the county court? Was it indeed fact, current accounts can not be marked as defaulted as there is no credit agreement? Would you recommend I emulate your strategy by writing the DCA first or just jump onto the Ombudsman arguing the zero credit point and let them deal with the bank?

Hi :Boy: How has your case gone so far? I have been reading through this thread as I have a very similar situation with MKD LLP, My account was originally with HSBC with a premium current account (charged monthly for extra perks like break-down cover etc), I stopped making payments and have never made any communication since may 2011, forward on to December 2013 and MKDP have marked the account as default.