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You should wait to receive a decision from the Ombudsman I am afraid. If this is a civil dispute you will have 6 years to bring a claim.
What are the legalities in this case?
In what way?
How much was the loan for? If they reduced the loan repayment it make little sense that they should record a default payment. Be interesting to hear what their reasons were like I said need to wait for Ombudsman's decision.