Hello,   I signed up for a noddle credit report, I have one default maker on my report.   I had an H&M credit account which I stupidly defaulted on, the amount is £120.00 and the default date is 11/04/2013; it’s been sold to Arvato Financial Solutions.   I do want to pay the debt off in full but I really don’t want to pay it to Arvato Financial Solutions.   I was going to write or email H&M and ask them to buy the debt back off Arvato Financial Solutions, so I can