My Abbey account was put into "Default", without any notification to me. There were no charges as my account never even came close to my authorised overdraft limit. I was defaulted because I "had not made regular payments into my account" I was told that I was obliged to pay a minimum of £50.00 into my account every month as per the T&Cs given to me whenI opened the account. As I had not done so that is why they had entered a default to the CRA. The T&Cs only say "regular payments had to made" no mention of amount or frequency. After being shoved from pillar to post for several months within Abbey, they eventually caved in and removed the default when I said I would take it to the banking ombudsman and that they would have to notify every account holder of a change to the T&Cs (a big cost) which I presume made the difference. The only way I found out about the problem in the first place was by subscibing to a CRA to get regular checks on my data. Let this be a lesson to anyone who does not already keep a check on data held by the CRAs