Hello There, I'm hoping that someone here can help me. I had a credit card with capital one that defaulted on the 08/10/10. The amount of the default was £341.40. My credit limit was £200. Some background information: on the 1st of July my grandfather died. This was followed by the death of my great uncle on the 31st of July. This was a very traumatic time for my family and caused me to neglect payments on a number of accounts. My grandfather had been suffering with a very agressive form of prostate cancer and I had spend much of the year helping him. Anyway, capital one started issuing me with £12 default charges. These charges took my account over its credit limit so I started to receive 2 lots of £12 charges every month totaling £24. I didn't take any action at the time and the account was issued with a default on the above date. I have not settled the account and receive regular letters from a company called F.T.C regarding the payment. I don't have a clear record of all the default payments that have been made on the account. I'm sure this will negatively affect any action I take. I really don't want a default on my report, is there anything I can do? I'm not really that bothered about the money and would happily pay if they would remove the default. Could anyone give me some advice on what I need to do first? Thanks in advance, Jonathan.