I forgot to change my address with the council in 2011 and some time in that year I got served with a court notice for examination of my assets, as soon as I received this, I went and paid it as it was an honest mistake as we were building our home ourselves and just lost track of a few things.I have been applying for loans ever since and been knocked back wondering why, so late last year I asked the loan officer and they said I have an unpaid default on my credit file from the council in 2011. I said, "but it was paid right away I have the receipt still. I contacted the council that did this and they got their lawyer to send me a discontinuance letter to sign and said if I didn't it will remain on my file as unpaid and when I do sign it it will just be marked as paid but not removed. Is this right? I have missed out on credit over these years because on an honest mistake? And how long do I have to keep paying for the mistake?