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lazaroonie vs associates


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..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 ?

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