clearing defaulted credit card

mark_d_5

Hello there, I recently was turned down for a couple of loans and started to wonder how this could be as I have never had any financial diffculties in my past. So I accessed my credit report from experian and one entry stood out. It was for a MINT credit card which had been defaulted. This must be why my credit score is at 560. Looking into the matter further I found out that after I had moved address there had been a payment out of the card for £39.99 for an xbox live subscription which I had previously cancelled. (It turns out the subscription renewed 2 weeks before I cancelled). So after I moved I thought my balance was still at £0, which it was beforehand. Since then I have been receiving reminders to my old address about this payment and then finally I received a debt collectors notice to my new address (first I;d heard of anything). Which I paid immediately and was settled. The credit report states "satisfied".

Now I know I should have either closed my MINT account down at the time or notified of my new address but I still feel that this mishap on my behalf is simply a mistake rather than me not being able to make the payments. As I said before I have had no late payments with any other cards or loans.
Is this something that I can argue to get this default lifted from my report? Or is it something that I can only really add a note to my entry on the credit report?

Also is this now going to affect me remortaging which I intend to do next year? If so would this hinder my trust with my current mortgage lender?

Any advise would be appreciated.