Hi Just as the title implies, our refinance has been declined bu St George because of a $200 Vodafone"3" bill default from three years ago. I rang the collections agency that the debt has been sold to and they advised that the best they can do is mark it as "settled in full" and lodge the investigation to see if the default procedure has been settled correctly if I wish to have the default removed altogether. If the procedures were followed, then the default cannot be removed. My broker said that in order for the loan to be approved, the default has to be removed, not just marked as “settled in full”. Any ideas of how this can be attained?