Hi Folks, I was made redundant a few years ago and defaulted on my Santander/ASDA credit card. The debt was passed on to a collections firm and i then paid this in full as I had found a full time job. (£1200 iirc) As I paid the ballance in full, i would like to appeal to them my hardship at that time and request the default be removed/changed. I now have full time permanent job, 2 kids and would like to resolve so i can get better rate on morgage. I sent a generic letter on 19/08/13 as follows; I have recieved today the following; Where should I go from here ? I am unsure on what the legal requirements are for time scales on responses etc ? Your help and advice much appreciated. Best Regards, Mike