Defaults and serious credit infringements

If you don’t pay overdue charges, your provider may report this to a credit reporting body – one of the organisations that stores credit information about individuals and businesses. Providers can report a default when a debt of $150 or more is overdue by at least 60 days. They can report a serious credit infringement if they haven’t been able to contact you for at least six months and think that you don’t intend to pay what you agreed in your contract. 

We can help with your complaint about an incorrect default or serious credit infringement. To resolve your complaint, we consider the law, good industry practice and fairness.