Pathetic account management from RCS

This is on behalf of my fiancé who took out a RCS account about 5 years ago. The repayments were debited from his account on a monthly basis and eventually three years after the account was opened the debits stopped when the account was paid off.

Now we are in the process of buying a home and his credit profile shows that he has bad credit due to an overdue RCS account. He called the call centre and the agent told him that his account has been handed over and there's nothing he can do.

RCS never once contacted him to notify him of any outstanding payments or to inform him that his account has been handed over. The debt collecting company also hasn't made any contact so we have no idea where this amount he is owning comes from.

he hasn't even received a statement in the last two years!!!!

RCS is pathetic in the manner in which they are handling this matter.