Hi Everyone, I'm need of some serious help please. I had an argos card for 10 years missed the odd payment nothing major always brought it back into line. At the end of 2011 beginning of 2012 I stopped receiving statements I contacted them and told them and please could they resend them so I could make payments, A.S.A.P. I then got a letter from Moorcroft debt recovery I got in such a panic I phoned them and arranged to pay huge substantial amounts of money to get this account paid off once and for all so that it couldn't happen again and I didn't want a default. A couple of months ago I tried to apply for a mortgage and was instantly rejected I have now discovered I have a default of my file which is obviously being a huge impact on my credit report. How can I try and get this removed. Many thanks.