Entered onto wrong payment plan with capital one and auto defaulted

Hello,

A while back I was clawing myself out of debt, and im glad to say im now debt free apart from monthly living.

Anyhow I had a capital one account and I was 1 payment late so I called them and a payment plan was put in place. No different options were discussed. When the form came i filled it in and returned it.

I recently performed a credit check and the capital one account was defaulted. I called them and the manager checked with the data department who said I ticked the long term option. I presume it said short or long on a form, and I ticked long probably thinking give myself enough time to repay.

I've now found out that the short term is 6 months, and the long term was 9 months with a default placed on the account.

Ive asked management to get the telephone call transcript and asked for documention relating to what was sent and received.

Do I have any case or am I busted for ticking the wrong box