Credit cards - Account incorrectly put into default
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- Your account may be put into default if you fail to do what you said you would when you signed up for your credit card.
- Depending on the company and your history, sometimes you will be given a chance to correct the issue before your account is put in default.
- It is up to the provider whether they give you this chance.
- If you believe your account has been incorrectly been put in default then you should complain, making it clear why you think an error has occurred.
Where available we include the Internal Ombudsman of a bank in the escalation process. This is in-line with the FCAC complaints process guidance:
If you already have a final response from your bank that is not to your satifaction, you can choose to escalate for a Third Party Review regardless of whether you have been to the Internal Ombudsman.
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