RBS instructing a 'search' for me????

Daisy1982_2

Hi Everyone

I`m new here so please excuse the silly questions that might crop up from time to time.

In a nut shell, I took out a loan with Tesco in 2004. Unfortunately I defaulted on a few payments so it was referred to RBS who I agreed a repayment plan with. This has been in place for 4 years now, no defaults or problems. I returned to live at my parents house in 2006 and subsequently wrote to all parties concerned to instruct them of the change of address. Never received any correspondance from RBS so continued to assume everything was still ok with the repayment plan.

In Nov 2008 I received a letter from Regal Credit Consultants saying that RBS/Tesco had referred the loan on to them and that I needed to contact them immediately. I did so and was pressurised in to setting up a repayment plan with them thus cancelling out my RSB plan. They took a payment immediately.

After discussing with my sister I realised how stupid and naive I had been and that I should have contacted RBS first. I then telephoned them and they confirmed that it had all been a mistake and that they would take my case back from Regal aswell as the payment I had already made to them. Job done, or so I thought.

I applied for a credit reference score in December only to find Regal on there! I have only just got around to telephoning RBS (Tritan Credit Services) to ask for a letter to confirm my case had been referred in error. I have now been told that RBS/Tritan had written to me 3 times but the mail had been returned therefore their policy is to refer cases on to a credit agency to start a 'search' for me. Because of this, I have to now write to them to put in a request for them to confirm in writing that I have not defaulted on my payments??? Apparently RBS agreed to take my case back from Regal because I had not defaulted on my payments.

My main question is, although I have no written evidence that I informed RBS and Tesco that I had returned to my parents address, is it possible for me to get the search that Regal did for me removed from my credit score? I understand what RBS are saying but even now they supposedly have my new address they haven't mailed anything to me so were the letters they tried to send before merely junk mail? If so, surely having junk mail returned to a company is not a reason to be instructing a 'search' when payments are not being defaulted and the account is all in good order??

Thanks for your patience everyone but any help or advice would be much appreciated as I feel somewhat confused and worried about all of this.