I might be able to help, I run a Mortgage company
First thing, don't waste your time appealing. You'll spend circa 8 weeks in a circle of letters acknowledging your issue, telling you they will look in to it only to come back to you with the same decision.
A default isn't the end of the world, I got a mortgage approved for someone last week with 4 defaults!
However, your most recent default needs to be more than two years old and your deposit needs to be 20% or more.........................
Drop me a mail if you prefer?
info@LT-Mortgages.com
Liam
I need to talk to you soon as well bud