What Can I Do About A Mortgage

gordonsanderson1972

I have a loan through the HFC bank,myself and fiance seperated for a little while, so, during that spell the only fiancial obstacle i had was this bank,they said i could restructure my loan and half the monthly payments,so i did,this was august 2005, i`ve never had a adverse credit history,so i wondered why i was unable to transfer the credit card i have to a better deal from a leading card lender.I recieved my credit file yesterday and was devastated to find that this bank had put a default notice on my file in 2005,i`ve been making monthly regular payments (never missed)and there are no signs of payments being made,apart from the total oustanding and the amount left to pay off,i was totally unaware that this sought of restructuring could land me a whopping default,as i found myself to be totally misguided and falsely advised, is there any way i can get a mortgage as without this black mark my file is near on perfect.
A very very angry & frustrated induividual.
Many thanks