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Welcome Finance Default after 5 and half years

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A few months back, a default was placed on my Welcome finance account after 5 and half years of non payment as the account was in dispute. I phoned Welcome finance asking them to remove the default and renegotiate repayments. Welcome finance agreed to a payment of £100.000 per month via IND. Welcome finance declined my PPI claim on the grounds that I took the PPI via broker therefore I can only claim via the broker.My questions are?Can a default be placed on an account after such a long time of non payment? Justice delayed is no justice.Is there a way to compel Welcome Finance to deduct the PPI amount from the balance?Can I get Welcome finance to remove the charges on the account.Your help will be appriciated as I have already received a final response from Welcome finance and I was hoping to take the issue to FOS.Please help.

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