Cahoot Current Account Default Help

BobbyBrownPants

Afternoon everyone and thanks in advance for any help. I'm pretty new to managing my own money and although I'm 30 I've never really paid any attention to my finances.

I'm trying to get a mortgage and upon looking at my credit file the only thing that could have a negative impact is a default on a Cahoot account in April last year.

I opened the account 7 years ago and used it to pay bills. I was using the interest free overdraft to pay my bills and paying in £50 a week into a Cahoot savings account which at the time had a great interest rate. I had a transfer set up to transfer enough money every other month from the savings account to the current account to zero it out and I started again.

As time went on I stopped transferring money into the savings account and start paying bills from my main current account with Halifax. I left the account in debt for 2 years (like I said, I didn't pay much attention to money) Cahoot changed the terms of my current account which meant I no longer had an overdraft facility and after several weeks the account was defaulted.

I was unaware of this as I had move houses several times and had a different mobile number. When I did find out about I settled the account with Cahoot directly and not through a debt collector.

I contacted Cahoot last week to ask them what we could do about my credit file since I had paid instantly to them as soon as I found out about the problem.

Cahoot have said there's nothing I can do and they're not editing my credit file.

Are there any other options? And yes, I know it's my fault for not changing my address or for being absent minded with my finances thank you!

Cheers
Bobby