Congratulations! So far you have done well. You've got in touch and of all your conversation you have been told this is sort of a routine situation at this stage by AN EMPLOYEE.

1 I always make detailed notes all the way through including exact times of contact and who contacted who. I cannot recommend this strongly enough.
2 On Monday when you call have your notes by your side AND a list of the questions you have AND concerns ie ARE YOU BLACKLISTING ME? When you have or haven't been reassured ask if all your conversation has been recorded on the screen in front of the person you are talking to. If he/she says yes ask him to read it back to you and if you are not happy ask for corrections. Ask for a no cost copy of what has been written (make a note that you are asking). Then say please give me a straight yes/no to the blacklist question. Then as appropriate say you need confirmation in writing at no cost to you. Looking on the positive side if you get confirmation that you have NOT been blacklisted don't leave matters there find out how you can confirm without a doubt that you have not been blacklisted. Remember you can put put search terms in Google that may help. All the best.

Help...
I received a letter yesterday from my bank to say that I had defaulted on my agreement and it was a default notice. I have a £100 overdraft and for the past 3 months slightly gone over the limit only for a few days. this month I checked my account all was OK, but I forgot that I would be charged £25 x 2 for the overdrawn charge from last month. This took me £33 over my limted and thus was issued with this letter. I rang the bank and they just asked if I wanted to increase my overdraft and as goodwill refunded £25 of the charges. I went to the bank this morning and paid in £200 putting me in credit, rang the bank again today to check it was registered and ask the person this time what the default letter would mean, she did not want to talk about it, just saying "well it was only a default 1 issued letter, asking you to put you balance back within the overdraft limit which I have. and if I want to discuss the default I would have to speak to another dept. on Monday.

Does this mean I am blacklisted. I can well do without it at moment. The silly thing is that this is not my main account and one I just use for occasional payments. I want to close it down, but would this look even worse on credit record?

help