Thanks very much for your reply. This information is very usefull!

Better late than never, but this comprehensive guide to credit repair will provide more information than could be reasonably posted, click on the FAQ section there's a wealth of other useful advice.

http://www.insolvencyhelpline.co.uk/credit-repair/how_do_I_repair_my_credit_history.php

Hello there, I recently was turned down for a couple of loans and started to wonder how this could be as I have never had any financial diffculties in my past. So I accessed my credit report from experian and one entry stood out. It was for a MINT credit card which had been defaulted.Looking into the matter further I found out that after I had moved address there had been a payment out of the card for £36. After I moved I thought my balance was still at £0, which it was beforehand. Since then I have been receiving reminders to my old address about this payment and then finally received the forwarded mail to my new address (first I'd heard of anything). Which I paid immediately and was settled. The account defulated after 3 months and then was stafised the very next month. The credit report states "satisfied".

Now I know I should have either closed my MINT account down at the time or notified of my new address but I still feel that this mishap on my behalf is simply a mistake rather than me not being able to make the payments. As I said before I have had no late payments with any other cards or loans.
Is this something that I can argue to get this default lifted from my report? Or is it something that I can only really add a note to my entry on the credit report?

Also is this now going to affect me remortaging which I intend to do next year?
Any advise would be appreciated.