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Advice on bank charges / Default


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I was with the Nationwide and I stopped using the account - its was at £1 or osomething but a DD tried to come out and bounced with over the months added up. I was using my new A and L account so I didnt notice. When I did it was sitting at a couple of hundred pound so I was going to pay it the next month due to pay. When I phoned up I was told I wass defaulted and that is that.


When I look at the credit report I was defaulted on the fourth month of the 1st charge which seems really quick.


I have been told if I can get the charges lifted the default will be taken off .


Can someone advise if this would be the case and what the possibility of this would be ? do any companies help with this ?


Id even pay what I need to pay to get it lifted. I am not in financial hardship but it is having a direct impact in me getting credit.


Can someone help please ??





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