Upon subscribing to Experian I was dismayed to find NatWest had recorded a default notice for £3,533 on 28 Feb 2011 in respect of a former overdraft arrangement (I had been unemployed for two years, hence this and other problems). I also owe NatWest money on a former loan. At the same time I have been in a repayment agreement for the past few years: first with NatWest directly, then Triton, now Shoosmiths. I have letters confirming I am up to date. The two account numbers - overdraft and loan - are highlighted on the chase-up letters I have received from each chaser over the past two years. However not one penny has ever been applied to the "default" overdraft figure? All my repayments are going towards the loan it seems. I then started making additional, separate payments directly to NatWest specifically quoting the above "default" overdraft account details; but this money too has been diverted away to the loan account. Anyone searching Experian will assume I just walked away from the overdraft; that I am not in a repayment agreement; and have not made any payments since it was recorded. I have written to both NatWest and Shoosmiths asking why none of my payments over the past 18 months have been credited to this account despite all the NatWest, Triton and now Shoosmiths paperwork quoting this account number? But they will not reply. I have also never been sent a proper statement: opening balance, plus interest, less repayments, closing balance. Again they will not reply although I believe this is a requirement of the Consumer Credit and possibly other Acts? In other words, this continuing situation is painting us - and our credit rating - in the worst possible light. As you can imagine this is causing us maximum stress (perhaps that's the idea?). What should I do??? Thanks. Pete.

Hi there, I recently have been getting letters and notices from a company called Martson for an unpaid court judgement on TV license a few years back. The truth is I can not remember ever being caught for an unpaid TV license (or giving my details out) and the only time when this could have happened is when I rented my property for about 2 months. So I am guessing the tenants incorrectly gave my name out. Anyway i have be sent a number of notices with my name and surname misspelt, and I never opened or paid any mind to the letters (stupidly) and now i got a removal notice through my door saying they have a warrant on behalf of HMCTS to collect 550 pounds. I have been warned by friends not to open my door to this people but my neighbour's car got clamped yesterday by the same guy and I fear I might be next. My questions are, the fact that my name and surname are misspelt, does that have any legal ground? Secondly if they do come to my house and clamp or attempt to clamp my car what do I do? Thanks in advance.