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Also, I checked my Experian Credit Report today. Looks like O2 still have me shown as Delinquent with an active account. I have contacted their Cred...

@pingpong was it Phoenix Mortgage Solutions Ltd ? Also, spoke with the lender I was in default with and they have agreed to backdate the default to...

Thanks both of you for the sound advice. I will chase up the lender and make sure they backdate it.