Does anyone have experience of UCB?

Please can anyone with some experience of what the UCB Bank are like let me know how I can negotiate with them - they've found me after 6 years and I now just want to sort this out (seeing as they've found me I might as well). I don't want to give them lots of money, but could settle for a small lump sum. I am prepared to fight them to prove what they think I owe (it's a long story which I'm hapy to give to anyone who responds) but when do I start to negotiate if I'm syaing I don't owe them anything......

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