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Problems led to bad credit history!!


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I had a loan for electrical goods where I incurred defaulf charges. Going to obviously proceed to get these back (normal manner), but the account was then forwarded onto (in this case 'AIC' - a debt collection company). The account with them was finalised with a 'final settlement fee' (way below the original debt figure).

However, due to this I have now found out that 'Firts national Tricity Finance' put the mark on my credit history.

I've never had this before.

 

Now.........my query. Not only am I approaching them to re-claim my default charges, but what re-dress do I have to get my credit history problem sorted? Any useful help would be greatly appreciated (could this be as comprehensive as possible............one reason - I check thru the forums/threads and when I find something that maight help, it doesn't go into enough info) Many thanks :)

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