Hi, Just a quick query but a little long winded. Got an basic account with RBS back in 2007. I handled the account well, never going overdrawn or anything like that. I decided I was going to move abroad and moved late April 2009. I changed my address with all organisations to my parents address before I moved. I remember going into my branch of RBS and asking for a change of address. They asked me to fill in a form which I did and handed back to them. I have recently moved back to the UK and having done a credit check can see that I have defaulted on this account. The account defaulted in August 2009. I asked my parents if they received any mail from RBS to which their reply was none. Having looked further into it, the address on the credit file for the default is the old address. It looks like it was never changed. My questions are: 1) If I pay the amount owing, can I have the default removed as I have no knowledge of the default. 2) How would I go about challenging the balance owed, and if I challenged it, would it add to the time the default will show on my account. Thanks in advance

Thanks for the advice guys. I will contact them and keep you posted on the outcome.

I have a question and thought I would bring it to the forum. I have an account with RBS and changed address. I went to my local branch and changed the address and received a letter from them at the new address. I wasn't using the account and there were no funds in the account and never noticed that I wasn't receiving statements. I received a call from Wescot saying there was a balance of £400 on the account and it needed payment. They could not tell me what the debt was for and they address that had was my old address. I told them that I had not received a statement and they told me it is my responsibility to ensure I was receiving statements. They advised me all statements had been sent to my old address and therefore I had no knowledge that the account had gone into arrears. I was 19 at the time and left the country working on the cruise ships and have recently returned to the UK. Being young, I didn't realise the effect this would have on my credit file and left the country without it being resolved. I got a copy of my credit report and have seen that there is a default registered from them. My questions are: 1) who is responsible for the fact they sent statements to the wrong address even though I notified them. (the default is registered at the new address I provided them) 2) What about the notice of default. 3) what do you think I should do about the charges. I wrote to them earlier today outlining all the points I mentioned here. I understand I was stupid to leave the debt but I would like to fix it now. Any thoughts greatly appreciated!!