This is my first post here so please bear with me... I am desperately trying to get a satisfied default caused by a student overdraft in 2007 removed from my husband's credit file (it's for about £2000) and was hoping for some advice on what to try next. I have already tried the sympathy angle (asking nicely to remove it seeing as it's been paid etc.) but not surprisingly they said no (response below...) "I appreciate that your situation is significantly improved since the Default was applied to this account, and hope that this continues to be the case going forward. However, having looked into the reasons that the Default was applied, I am satisfied that this was done correctly and do not feel that we can justifiably remove this record from your records The Bank is obliged, under the Consumer Credit Act, to report the correct information to the CRAs. In this instence we have done so, and the records are correct. As such we would not look to amend this" blah blah blah yours sincerely Roger Gall Case Manager blah blah blah... Is there another route around this? Should I write again to ask to reconsider as their obligation isn't a legal obligation, just standard practice? Is it worth trying the Default Notice route in the hopes their paperwork isn't in order? I don't know whether they issued this to him, and my husband can't remember if he received one. I read on another thread somewhere that they no longer have to provide the original default notice, just have an electronic record that one was sent? Is this right? We are desperate to buy a house and have the deposit all saved and ready to go - unfortunately no lenders will touch us because of this default (had we realised when we paid it that satisfied defaults were just as bad, we'd have negotiated the removal into the settlement - hindsight is such a pain in the arse!) Any help would be greatly appreciated!!