Firstly apologies this is my first time posting, have had a good look around the site and am very impressed.
I've been able to kind of answer my question by studying other posts here but would appreciate peoples opinions if they have time.
I defaulted on a HSBC current account that was overdrawn in September 2009.
The amount was approx. £4000 and was mostly unfair charges from the bank.
I did attempt reclaiming charges prior to default but in the end just gave up, cowardly I know.
Since 2009 I've moved addresses a few times and had letters from Compello Group