Thanks Andy. My partner wishes to include me on a mortgage and having a default within the last 18 months is resulting in a higher deposit being required and a higher proposed interest rate. A default aged over 2 years would reduce both deposit amount and interest rate.

Good morning Help/advice required please! Had a few different accounts (loan, personal account, credit card) with Lloyd's - ran into financial difficulty and stopped paying mid 2018 and entered DMP via StepChange. All but the credit card account issued defaults in Sep-18 but the credit card didn't issue default until Sep-19 - which is now causing an issue with possibly mortgage for me and my partner. Is there a way of asking/getting Lloyd's to amend the Sep-19 default to Sep-18 when the other accounts were placed in default? Thanks in advance for your help!