Hi there, everyone. This is my first post on a great website. I have been reading a few threads on defaults, as I have a couple on my credit report, and am hopeful if people can clear things up for me. Am I right in thinking that a default notice needs to be served when an account goes into default? If so, I did not receive this for any of the defaults. Should I therefore request copies of these? If they can't provide these, can I request that the default be removed? What's to stop them just making up notices on the spot? Also, the debts are still owed. Can I 'broker' a de