Remove Default

Please note that I was not notified prior to adverse listing. Both my accounts were handed over to MBD without being informed and there are debit orders for a Loan and a Credit card that goes through every month. The Default showed after I made payments to MBD for months without skipping even a month then I changed to debit orders. Please remove a default on my status since I am paying. I tried to get a loan from Oldmutual so that I can settle these debts but they refused since I have a Default status on my credit score. Can the default be removed urgently. I was unemployed when I couldn't pay my debts but I am employed now.