You are probably on a Credit Reference Agency, with arecord of defaulting.(posted 8511 days ago)To find out, follow the advice on www.home-repo.org and get a copy of your credit file. If anything is inaccurate you have the right to have it corrected. Check the balance on your account is shown accurately and that you are set up as a repayment plan and not as a defaulter.
If all else fails- complain to the Data Protection Commissioner.