I contacted my branch to apply for a mortgage. i explained that i had a default from a credit card which was paid in full and a notice of correction was on my credit file but that the default remained. i was assured that as they considered even a one off CCJ a and I quote a "common sense "approach would prevail. i have 2 weeks of very eighty calls some at international rates. My salary, outgoings etc, have been scrutinised. The property details submitted. a solicitor was appointed my life insurance was discussed. Products were supplied. This amounts to a total 5 and half hours of phone calls. Today they rang, the button was pressed and the experian file appealed outward rejection because yes you have guessed it the satisfied default. The broker tried to imply i had there debts as he said it was both default and delinquency and i had other outstanding problems. i was livid. i immediately looked a t my credit file it actually says a default OR delinquency and is the issue i informed him about from the outset. It would appear the broker is making a job for himself as he wasn't prepared to discuss further and put the phone down. They had wanted over 400 to inform me of what i know that costs me 2 pounds! At least didn't get to pay the full costs that would have been totally unscrupulous. I have of course contacted head office but just be aware they are not what they say and don't waste your time.