Hi there, I am a member of a credit reference agency and receive alerts to notify me of any activity. I have just discovered that my bank has registered arrears against me relating to my joint current account. This is completely false, and this is the second time they have given me a derogatory status without any cause. The first time it occured the credit agency acted on my behalf and due to no contact from the bank they removed all details of the account from my record. I cannot contact the credit department of my bank as I cannot get a number and they dont allow customer services to transfer my call to them, they dont call me when they say they will in order to resolve the matter. They are quick enough to speak to us when they are offering us a loan or any other service. I am extremely frustrated and angry, we have 5 different accounts with this bank between isa`s, childrens accounts and a joint current account. We are currently in the process of buying a property and this will obviously affect out mortgage rate etc. Can anyone please advise me, I am very close to withdrawing all our cash and closing all accounts, but the stress and hasstle of doing so is far more than I need right now.                       Many Thanks ,, Dawn