I opened an online account with Woolworths in December 2012 and placed an order in the same month using the BNPL (Buy now pay later) for 12 months meaning I didn't have to pay anything until JAN 2014. This has been confirmed by them twice over the phone. However after receiving a letter from a debt collection company in February 2014 stating that my account had defaulted I then realised that Woolworths had sold my account as a default in August 2013 in addition to this I had made a full payment in November 2013, and I have a confirmation email stating this. Confusing I know, so am I! Further to this Woolworths won't discuss the reason why they sold my account as a default before notifying me of any arrears and before the 12 month period was up. This has now effected my credit rating, caused me stress, extra expenses and not to mention the time consuming calls backwards and forwards between Woolworths arrears department and the debt collection company. I would appreciate any advice in how to rectify this disastrous situation and what kind of compensation is owed to me. Also just so you know I am awaiting an SRA to arrive to confirm everything and the debt collection company has requested more info from Wololworths back in Feb 14 with no reply yet. Please help ....