Adverse record on ITC

<p>I was unable to pay account with loan ref: ********** ********** 81 due to financial circumstances. After my situation improved I then called the wonga collections department in an attempt to set up a payment arrangement.</p> <p>I was then advised my debt has been written off, the account has been closed and i no longer owe anything. I am willing and in a position to pay the amount back and i am not allowed to, yet on the credit bereaus the account has been listed as bad debt/default/adverse records therefore i had been unable to qualify for a home loan whenever I apply with financial institutions.</p> <p>Please advise on how i can settle this amount and kindly remove the information listed as bad debt/default/adverse records with Experian, Compuscan, and transunion.</p>