Hiya, thank you for responding to me.

I have just about gone round the twist today with these people. I asked for them to direct me to the statement within the Terms and Conditions which highlights that this is the appropriate course of action, they informed me that it states "We may share information with Credit Reference Agency`s if an account is being miss-used", I would fully accept this if we had indeed miss-used our account, however, we had just taken a joint loan with them to cosolidate our separate loans and due to the activity on the account with money going out left, right and centre, paying off loans etc, the cheque that was produced for a mere £477.00 comared to everything else that was being paid out, fell short by around £40.00. They can see from our history that it was an unfortunate incident and other funds were due to clear in the account within a day or so.

I feel that this has something to do with us having reclaimed unfair bank charges from 6 years ago.

I have spent hours trying to resolve this and the head ache now is that I have have been left with no alternative other than to close all of our accounts and I have just transfered funds from our ISA`s, the children will be emptying their accounts today and we have removed a large lump sum from our account leaving only enough to cover our outgoings until we have set up accounts else where.

 I`m sure that if this practice applied to everyone, there wouldnt be a single person in the Country with good credit.

 My head is exploding, but I want to thank you for trying to help.

Many thanks and kindest regards, Dawn.