Thanks for your help Debs, I was going to write to Triton first but will speak to RBS instead. Yes Triton didn't mention that they were part of RBS and when i went into the branch RBS were very quick to say its not our problem anymore saying it had been passed onto a seperate collections agency. Will let you know how I get on. What do you think regarding the fact that my RBS account isn't registered on my credit file? Thanks

Hi there, Thanks for all the advice on his forum, i thought i was alone! I realise this issue has not been discussed for a little while but here goes. I left University last July and when I left Uni i changed my bank address from my University address to the family home address where i was moving back to. I then worked abroad from summer until Christmas. When i got back home i started getting calls in Jan/Feb time asking to make regular payments into RBS account. I often made payments but not as regular as i should have done perhaps. I then get a phone call 2/3 weeks ago from Triton saying my account had been passed to them and i'd received a default notice! I then went into my RBS branch to check my address and it hadn't been updated since Uni and so i wasn't receiving any letters, including the default notice. Triton wanted me to pay £1,000 immediately and I told them to ring me in a month and in the meantime i'll pay them £50. After checking my credit report with Experian i've noticed my RBS account isn't even registered on there whereas i have another bank account on there and a couple of store cards (which haven't been used) and there is no notice of default anywhere. Question is- should i pay off this 'debt' even thought a 'satisfied default' is still a default, should i dispute the default as RBS didn't update my address or ignore Triton as the account isn't even on my Experian credit file? Any advice would be much appreciated, hard times for everyone at the minute, banks being extra aggressive and no jobs= nightmare.