1p Debt

A question about : 1p Debt

Hi all,

Just to make it short, 5+ years ago I was overdrawn on my account (first time ever) by accident for 1 pence and my bank charged me for unplanned use of overdraft and by the time I found out, the charge was almost Ј45 and after I spoke with the bank they refused to do anything about it so I stopped dealing with that bank any more since then and the last thing I remember is the debt went up to Ј115.87

Recently, I started receiving letters from red debt collectors asking me to pay the debit of Ј115.87 and I kept ignoring them, and the last letter was about they will forward my details to hampton legals to deal with the matter and take it to court!

ANY advice what can I do in this situation being asked to pay money I don't owe and have no idea from where it come from?.

Thanks

Best answers:

• What is the actual date of the default on your credit file.....
  Its important