..they were known as the asssociates then, but now are known as Citicards.. anyway I have an old debt from around 4 years ago which I defaulted on, owing citi around 300 quid. The debt was purchased by 1st Credit, who a few months later put a default on my credit file for an amount of around 750 quid. I am willing to pay the original amount owed, and do not dispute this. I do dispute the charges which has taken it to over double the original amount. My question is, who do I write to ? My idea is that since 1st credit own the debt, my dispute is with them, so I should write, disputing the amount and asking for any data pertaining to the agreement. At the same time making an offer to pay the £300 any ideas on this one ?

I have today received an offer of settlement from RBS - seems to be a standard letter - "we believe our charges to be fair etc etc...but as a gesture of goodwill....". They have offered 100% of what we asked for. The only fly in the ointment is that they havent mentioned the default which I asked them to remove.....just wonder if I really have got any a chance of it being removed.... hmmm

bumping this...still looking for some advice....thanks

ok - latest update we do not appear to be getting anywhere. I received in response to my LBA letter the exact same letter as I had to my original request. I dont really know what to do now - 3 weeks has passed, and presumably now I should be raising a small claims for this money. but being in Scotland the maximum I can raise thru this is £750. Previously the advice was to raise these actions 1 at a time, but the latest news is that this is maybe not the best thing to do. Should I instruct my solicitor to raise a claim for the full amount ? This really depends on how much it is likely to cost. at a crossroads, looking for directions thanks to all

The RBS account was used as our main current account up until 2003, at which point our overdraft had grown to around the amount of the default amount. we stopped using the account, and had our salaries mandated to another account - at which point we entered into negotiation to replay the overdraft - as soon as this happened, the default was entered. It was repaid in full about 6 months later. It is difficult to establish what part of the default was charges and what was "accrued debt", if you know what I mean, because of the fluidity of the account up to that point - there was always money coming in and going out...

that is the key point here - the claim I am making is for £4210, and the default amount is £2700. I have included it in the "what I want from them" part of the letter, I am just curious, with RBS how this goes down - RBS have always been known as one of the biggest "defaulters" of customer accounts. Basically it would be good to hear other peoples experiences - do RBS say "here's your money, but the default stays", or do they "cave in completely".

Hi there, first post here, so go easy... I sent my intro letter away about 3 weeks ago giving them 14 days to respond. I got a letter 7 days ago from Sandy Watt saying "yeah yeah we will look into it..." So today I sent away the LBA letter (I guess it is good to work to my timetable, not theirs...). I am pretty confident about getting the money back (several thousand quid). but my question really revolves around the default on my Credit report. has anyone had good experience of getting these removed at the same time as getting their cash back ? thanks. I will keep this updated as I go....