I MRS DENISE LANGLEY HAVE A DEFAULT ON MY CREDIT REPORT WHICH WAS NO FAULT OF MY OWN.WHAT HAPPENED WAS I SWAPPED MY DIRECT DEBITS FROM ONE BANK TO ANOTHER.I BELIEVE THE BANK I SWAPPED TO WERE SUPPOSED TO HAVE WROTE TO ALL OF THE COMPANIES I HAVE MY DIRECT DEBITS WITH.I THOUGHT I WAS PAYING ALL OF MY DIRECT DEBITS BUT I WASNT.ONE OF MY DIRECT DEBITS I MISSED A FEW PAYMENTS I DIDNT KNOW ABOUT BECAUSE I BELIEVE THE COMPANY NEVER WROTE TO ME.THEY PASSED IT ON TO SOMEONE ELSE WHO SAID THEY WANTED THE FULL AMOUNT UPFRONT WHICH I THEN PAID.AFTER ALL THAT I WAS STILL DEFAULTED ON MY CREDIT REPORT AND I DONT THINK THIS IS VERY FAIR AT ALL.