First post - hoping someone can help.
I’ve recently been trying to deal with my debts and have had some success. I have a default on my credit record registered by Arrow Global/Capquest which I didn’t recognise. I emailed to ask what it related to and they came back to say it was an overdraft with Halifax. I do not recall holding an account with Halifax so I asked them to prove it by sending the template letter.
A few weeks went by and they emailed back to say there is no credit agreement as it was an overdraft, there is no statement available as I