Default Removal

PomegranateNo3

Has anybody been successful in requesting the removal of a default?  I was in a payment arrangement with Halifax back in 2015 to repay an overdraft after a relationship breakdown left me in financial difficulty.  I had been in the payment arrangement for quite a few months until Halifax called one day and said I shouldn't of been in a payment arrangement and they were passing the arrangement to Wescot, issuing me with a backdated default and reducing my balance by £150 as way of compensation.  I then continued the arrangement with Wescot, is the default correct or would I have a chance of having it removed?  
** I should of also mentioned the accounts were also settled with Wescot years ago so I am no longer in any arrangement.  

[Deleted User]

You could try, but the default is much better than the arrangement.  You only have a year left, whereas the arrangement will be there for six years from closure.

You'd be mad to get it changed.

PomegranateNo3

Sorry I should of also mentioned the accounts were also settled with Wescot years ago so I am no longer in any arrangement.  

[Deleted User]

It depends how long you want a negative market on your credit files for.

PomegranateNo3

That is why I am asking if anybody has been successful in having a default removed based on the circumstances I have written above.  The default is dated 2015, the account was paid off and closed years ago so the negative mark will disappear next year but I am asking if it is possible to have it removed sooner, if anybody has had experience or success in doing that.  

[Deleted User]

No, as the marker is factually accurate.  It's the best one you could have.