-hi all, first time post so bear with me please. H just recieved credit report and have found out that a company with whom we had a creit agreement with has put a default notice on our file without letting us know. We took out the agreement about 5 years or so ago, but after two years of problem free repayments by direct debit my husband had an accident and had problems repaying full amounts. we began repaying an AGREED REDUCED AMOUNT, since then we again have never missed a repayment. Now this company has decided to put a default notice out of the blue! Can someone tell me if they can do this 1/ without telling us and 2/ when we have never missed any repayments full or reduced:? . Many thanks. mumofsix6