First Default no letter

KryptonMoose

Hi all,

Began my journey a few months back, checked my credit score to see that my first account was defaulted on 31/10/24 after missing only 2 payments. 

I'm yet to receive anything from the company or official default notice in the mail. Do I continue to wait? Or do I need to contact the company as it's been nearly 2 months to begin making payments?

Many thanks 

sourcrates

Are you certain the account has defaulted, and its not just listing default sums in arrears?

KryptonMoose

Hi thanks for the response.

Across the 3 credit reference agencies the account is showing Defaulted since October, that's the only information I have. No contact or letters from the company since it showed defaulted.

sourcrates

Although a default notice is supposed to be mandatory, sometimes creditors don`t bother, and the first you know of it is when your credit file updates.

Just wait until you are written too, don`t expect anything soon, debt collection is more of a marathon than a sprint.