I was a receptionist and tour guide. We were having a low day and I had already done all the things that needed to be done. (Restocking souvenirs and food, sweeping, cleaning the kitchen and toilets, etc)

Then I sat down waiting for more customers to come, and the owner told me to wash his 2 cars. (Their house is in the same place)

I did, because I didn’t want to lose my job.

When I finished the owner said I had missed a spot and that I had to finish now.

I said no. He asked why, I said “I’m not your maid”.

He got upset, told his wife and she told me I had to do anything they asked me to, because they’re paying me.

I said that was out of my job duties. When she kept pushing I said it was abusive, and she fired me.

I was on a casual contract for 2 months, so Fair Work Ombudsman website says they can’t help me.

I’m wondering if there’s anything I can do.

Buying two tickets to an event and the pricing was advertised almost entirely throughout the purchase process as $89 per ticket. This Includes when selecting seats and when checking prices on the event.

Then when I looked at my cart it said a $9.25 charge might apply. I clicked Ok and was presented with only two options "collect from venue" or "Mobile Ticket" both were $9.25. why the hell would a mobile ticket where they send me a link cost 9.25.

Surely not kosher under the ACL

Evening! My ex who I was with for 9 years and I are separating. I have a stepchild (12) whose bio mother has been no contact since he was around one. I have been with his father since he was 3 and we have lived together since he was 4.
Has anyone separated and kept access to a stepchild through parenting orders. I’m not looking to get full custody but would definitely want 50/50. We have a shared child as well if that is relevant.

Thanks

I’m a stepdad looking for guidance from people familiar with family law or who have been through something similar. My partner already has a lawyer, and the proceedings are ongoing, but this process has taken a significant toll on our family. I’m trying to understand what questions we should be asking and how to support the child and each other through it.

My partner and I have been together for several years, and I have helped care for my stepchild since the child was very young. My partner left a previous marriage because of domestic violence. After the separation, the child remained in my partner’s care. Before contact was re-established, the biological father had not contacted the child or been involved in day-to-day care for a long time. He has paid a small amount in child support.

Over the years, I have become a dad to this child, sharing the everyday care and responsibilities of parenting with my partner. We have worked hard to build a stable home life, and my stepchild knows me as Dad.

The proceedings originally arose from difficulties with consent and decision-making regarding the child’s travel documents. My partner tried to resolve things directly with the biological father, but those attempts were unsuccessful. My partner eventually sought legal advice and applied for parenting orders.

What began as an attempt to resolve a practical issue has turned into prolonged proceedings and substantial legal costs. The current arrangements also restrict the child’s overseas travel to visit family. From our perspective, a life that had been becoming settled is now full of uncertainty again.

During the proceedings, the biological father sought to re-establish contact with the child. Initially, this involved short periods of supervised contact. A subsequent report, as I understood it, described the interactions between him and the child positively.

I don’t dispute that the child may have enjoyed those visits. My stepchild is naturally outgoing and can happily play with unfamiliar adults. What I am trying to understand is how short, positive interactions in a supervised setting are used to assess whether longer periods of unsupervised time are appropriate. How are the history of domestic violence and the long absence from the child’s life and care taken into account?

The court subsequently made arrangements for unsupervised time, with the duration increasing gradually. This change has left us feeling uneasy, and we are struggling to understand how the different factors were weighed.

I understand that the focus should be on the child’s best interests, and that a relationship with the biological father may be important where it is safe. I am trying to separate my own feelings as an adult from what the child needs. But my stepchild already had an established home life and close family relationships. We want to understand how those existing relationships and routines, as well as the child’s need for support in adjusting to change, are being considered.

For my partner, having to deal again with someone who was abusive is deeply painful. From my partner’s perspective, he has never apologised, and the harm has never been properly acknowledged or addressed. Yet there is now an ongoing need to manage contact and arrangements with that person.

I am also experiencing a kind of pain that is difficult to explain. Emotionally, it feels as though my partner can never be free of the entanglement with an ex, and the life we have worked so hard to build is being pulled into it. I know my partner has not chosen this situation, and I do not blame my partner. But understanding that does not make the pain disappear.

What makes it harder is that someone who hurt my partner is now re-entering our lives, and it brings up a fear that the child I have helped raise is being taken away from me. What I am afraid of losing is the parent–child bond we have built through years of everyday care, and the stable home life we have worked to give the child. Yet I feel powerless to influence what is happening and can only watch it unfold.

I carry the responsibilities of being a dad in daily life, but feel I have little voice in major decisions affecting the child. At times, it even feels as though the legal system is on the side of the person who caused harm, while those of us who have been caring for the child and living with the consequences are left to keep adjusting and absorbing the impact. I recognise that this is how the situation feels to me, rather than a complete account of the court’s reasoning, but it is nevertheless what I am struggling with every day.

That sense of powerlessness, and of having something deeply important taken out of my hands, is wearing me down to the point where I sometimes feel like giving up. It is not because I do not love my partner or the child. It is because I do not know how to keep giving so much while feeling unable to protect the people and the life I care about. I also do not want this pain to turn into resentment towards my partner, or become something the child has to carry.

My stepchild has started asking why the biological father says he is Dad when I am also Dad, and why visits and phone calls with him have to happen.

I honestly don’t know how to answer. I don’t want to lie, but I also don’t want to burden the child with adult conflict or the details of past abuse. I want to explain things honestly, in an age-appropriate way, without making the child feel pressured to choose sides.

The stress, uncertainty and sense of having no control are affecting the relationships between all three of us. We don’t want these proceedings to take over our entire family life, but right now we genuinely don’t know how to move forward.

My main questions are:

What specific questions should we ask our lawyer about the move from supervised to unsupervised time, and the increases in duration, so we can understand how the history of family violence, the long period without contact and the child’s current needs have been assessed? Are there appropriate safeguards or alternative arrangements worth discussing?

As a step-parent involved in the child’s daily care, is there an appropriate way for my observations of the child’s emotions and behaviour to be provided through the lawyer, so the child’s experience at home can also be understood?

What support services are available for children, survivors of family violence and step-parents dealing with this process? For anyone who has been through something similar, what actually helped you cope with the helplessness, support your child and stop the proceedings from consuming your entire family life?

I know Reddit cannot replace legal advice or assess an entire case from one post. I am not expecting people to decide who is right or wrong. I am just hoping to understand what we can do beyond continuing to struggle through it.

Thank you for reading.

Hi all,

Sorry if this seems a bit all of the place. Stressed and upset parent here.

My son has been told as of today that he has had his enrolment at daycare cancelled effective immediately. What rights do I have as a parent in relation to documents held by the daycare in the way of incident reports etc.

My son is 2 years old and has been at daycare for about 6 months and has had his ups and downs. He was never a biter until he went to daycare and a few weeks in he was bitten pretty badly.

Par for the course I thought, kids get bit at daycare. I was upset that it happened but didn't raise any major concerns.

Stemming from that he began to bite other children.

This went back and forward and every few days there was an incident report where he was bitten or had bitten another child. We were assured by the daycare that everyone was safe and that it was purely an age appropriate thing.

We never heard anything more than this and as far as I knew the issues were calming down. I got a call today saying the daycare was cancelling our enrolment as of Friday close of business. At 5pm I got another call saying as of close of business today his enrolment was cancelled. This gave me effectively zero time to arrange other care for my son.

I'm not saying my son is without fault, it's obviously an issue and something we talk about with him daily and celebrate when he doesn't bite and talk about not biting our friends.

All I want to know are my rights as when I tried to reduce his attendance days they told me I needed to provide a month's notice to remove him from care for a single day. Can I request a copy of all incident reports involving my son. I don't want the details of the other children just to get a picture of what has occurred.

Just looking for some advice to navigate this as my wife and I work full time and got absolutely no time to arrange alternative care.

Thank you.

Hi All

I’ve received a notice of potential redundancy with a settlement draft and am currently in the consultation period. The notice has a proposed date of termination on it. Apparently, once I’ve done my consultation and happy with everything, HR will issue me with a final document for signing.

Given how the consultation is going, I am under the impression that HR wants me to sign the document asap.

I have 2 questions: 1. Has my notice period started upon receipt of the notice of potential redundancy or does it start once I’ve received the final document aka notice of redundancy?

1. Given it says “potential”, does that mean the company has the right to turn around and say, your role is not being made redundant anymore?

I’m confused at the ambiguity, can’t find much on fair work’s website either.

UPDATE: went to Service NSW. They told me my licence has been suspended since 2023 (!?!) - that is, since my last renewal - due to an outstanding eyesight test. Wow, good to know.

I renewed online in 2023. Went back and checked my renewal confirmation email, and the only thing it says about eyesight checks is: “You will be notified by mail if you need an eyesight test.” Well… crickets.

From now on I’ll be making them test me every time I renew 😆 (the actual test was the most basic kind of optometrist test… “can you read the 5 letters the middle row”… I was in and out of Service NSW in two minutes flat.)

ORIGINAL: Got pulled over by the cops tonight, they knew my name (I’m guessing they searched my licence plate) and they told me my licence was suspended because I hadn’t done my eyesight test??

1. I’ve never worn glasses or needed an eyesight test to get my licence. Last renewed in 2023.
2. I’ve had no notification from RMS, Service NSW or anyone else that my licence has been suspended. No email, letter, anything (and my addresses are all up to date).

I’ve since logged in to my Service NSW account and sure enough, my licence is suspended. But how can they do that without me knowing? And why would RMS suddenly decide I need an eyesight test? Seems dodgy as hell. Who knows how long I’ve been illegally driving around.

My husband's old employer fired him 5 months ago. Honestly it was an unfair dismissal we couldn't be bothered reporting due to the narcissistic behaviour his ex boss has.

Unfortunately, since he's been fired my husband has been literally spam called and texted for some time but he was speaking nonsense so we decided to block his phone number. We thought everything was over until today he called from other numbers and we are now worried. In the past, he has threatened us with having connections to people that could get us in trouble (not sure to what extent but he is unpredictable)

Does he have any rights over my husband? We are anxious and worried. Tia!

Throwaway obviously.

I was recently told by my manager that my mental health issues were a liability for the company I work for, and I was asked to “step away” to make things easier for them.

I have been left feeling a little hurt, ashamed, and racing thought on if I am in the wrong or not. I never expected my mental health struggles to be used against me in my workplace.

Was I discriminated against because of my mental health, or am I just blowing this out of proportion??

I’m self-represented in a Victorian VCAT domestic building dispute.
My expert assesses defects at ~$109k–$127k. The builder’s expert assesses ~$15.7k, and the builder has now offered $15k full and final settlement. Their solicitor warns their costs could reach ~$45k and may be sought against me if I reject the offer.
Their solicitor says the difference means ~87% of my claim was “ill-conceived”, but their own Scott Schedule shows many defects are actually agreed. Several major $0 items are because the builder says I approved variations, which I dispute and for which I’m unaware of any signed variations. There are also major disagreements about rectification methods/quantum.
They also say costs from two earlier hearings were “reserved in favour of” them, but the actual VCAT orders simply say “costs reserved”.
I also have liquidated damages and additional-payment claims outside the defect assessment.
My main question: how realistic is the ~$45k costs risk if I reject $15k and continue, particularly if I ultimately recover more than their offer?
I’m still open to settlement/VCAT mediation. Just trying to understand the genuine costs exposure before responding

I’m not too sure if this is correct
I work as a casual FOH in a lovely cafe, the staff and owner are great but I just noticed that my payslips say $31.23 and not the updated rate. Am I being paid correct and I’m just reading into the award rate too much or did they not pay me according to the pay increase.
It gives me so much anxiety to approach them about this and i’m not sure how to go about it.

Hello

Quick story so i don't waste anyones time well try not too

Hired for a casual postion in May 2026 40 hours a week but end up doing 50 hours, in July i got injured at work have been on Workers Compensation with a Claim number since then for and will continue for a few more weeks at least, recieved a text message from my boss saying work is running out and theres no work for me by the end of the month the day my Workers Capacity Certiciate got updated for another 2 weeks, I contacted Fair Work they have linked me a few different sites with my rights and steps to follow. Have lodged 2 forms with Fair Work and awaiting to hear from them. Says it could take up to 21 days for a response but i want to make sure i have done what i need to.

My question is has anyone experienced this same issue? What did you do? What was the out come? Anything i should be doing or need to do? And advice in regards to anything explained above?

Any help would be great, really appriciate anyones feedback or help TIA!

Hi all,

I’m not sure where to post/ask this question but I thought someone may be able to help.

The family home internet is with Optus and the account holder is in aged care with advanced dementia. Optus are telling the legal power of attorney that she can’t make changes to the account and that the POA’s email cannot be used as the main email? (bills already go to that email btw) The email has to be different to the account holder AND power of attorney…they won’t accept my email either as it’s linked to an account but I haven’t been with them for 2+ years at this point.

All of the other utility companies were easy to deal with when updating account holder details and providing the POA documentation it’s just Optus that are being extremely difficult and are of no help despite having the proper legal documentation.

We want the POA on the account so we can close the internet with them and switch to another provider in my name, as the account holder now resides in aged care for dementia and it’s the family home.

I reported a sexual assault to police this week.

The incident was 18 month ago with a then-partner, so there is no physical evidence. We separated immediately afterwards.

Police said they will arrest him and question him, but I’m guessing if he doesn’t admit to it, nothing will happen. I would love for him to get consequences, but don’t realistically think it will happen.
I have a restraining order that has been in place since the incident, which I got on the basis there was other physical and verbal abuse. He’s currently doing a court ordered DV perpetrator course in relation to the physical abuse.

What happens now? If he lawyers up and refuses to answer questions and denies it, do police just close the case? The only evidence I have is my word. I told a counsellor a year ago, and sent a text to him around the same time, which he responded to, but didn’t acknowledge the accusation.

Is there anything else I should/could be doing? I’d already submitted an application for victims injury compensation based on physical assault, but didn’t include the sexual assault in the application and don’t know if they consider it if no charges are laid.

I can’t say I ever pictured myself taking legal action over a will but I think I may have to, on behalf of my mum, who is pretty clearly being screwed over. Here are the facts:

- Mum is adopted and has always been the black sheep of the family. Has a sister and a brother, both biological to mums adopted parents, both a fair bit older (my aunty and uncle) . Mum looks and behaves completely different to the rest of her family and I don’t think she ever truly felt a part of it.

- Mum has been an alcoholic for decades and has an associated disability. She receives the disability pension and will never work again (she is nearing aged pension age). Aunty is her power of attorney and enduring guardian. She and aunty do not like each other very much.

- Grandparent died 18 months ago in NSW, estate worth $6+ million, aunty and uncle are executors.

- Mum has been given her current home (which was bought by my grandparents specifically for her to live in), worth around $700k, and an additional $200k, both to be held in trust with aunty and uncle as the trustees. Reasons given for the low amount in the trust fund included that they didn’t want to impact her pension and they didn’t want a random bloke to get his hands on it. No doubt the trust is the right thing to do, given mums history, but the reason about impacting her pension doesn’t ring true as if that were the case she still could have been given more (around $330,000 I believe? Or even more in a special disability trust, but not sure that would be appropriate for her anyway)

- Apart from 2 specific gifts, aunty and uncle to split the rest. Around $2.7million each

- Probate granted around 12 months ago. A notice to distribute estate assets was published shortly after.

- A few months after my grandparent death I asked aunty what provision there was for mum and all she would say is “You’re mum will be looked after.” Which obviously translated to “It’s none of your business.” Given that our family, who always had less money and more of a working class vibe than them, has been looked down upon by these people basically forever, I didn’t ask again so as not to appear greedy. I regret this in hindsight. Mum was given a similar answer when she asked aunty.

- Mum was never given a copy of the will, told what she was getting, given an account of the estate property or kept abreast of the progress of administration. She was not told about probate or the subsequent notice. In a recent conversation my aunty basically admitted that this was done to prevent mum making a family provision claim . Is it just me or is that really really bad? Is there a conflict here between her role as executor/trustee and enduring guardian/power of attorney? Also, does this not prove that they know she is being ripped off?

- It was not until I recently looked at the Supreme Court website and saw the notices that I realised something was not right. Again, I regret not looking much sooner.

- A meeting was arranged with aunty, uncle, mum, their solicitor and me. Executors said that mums trust is for her enjoyment/entertainment purposes only and the will was not as bad as it looked for her. Grandparents had paid all of mums bills/rates since they purchased her home and executors had promised grandparents that they would continue to do so out of their own personal funds. Also they would pay for any home improvements. Added that if mum were to make a family provision claim that arrangement would have to be reassessed. If grandparents were paying this, shouldn’t it have been provided for directly in the will? Also, this seems very not right to give them something that they can hold over head for the rest of her life as she has no legal recourse if they stop paying

- Executors also said that the estate would not be distributed strictly in accordance with the will. Stated that they may share the proceeds of grandparent home, worth around $1.5million, with my brother and I, though executors argued about what percentage. Executors also said that the money would have to be held by my brother and I for my mother’s benefit if she needed it and that he would make us sign something to that effect. (Implying I might take the money and run, even though I’ve stayed closer with her than anyone through all her decades of bullshit - this comment pissed me off massively). Isn’t this just a trust in another name? Wouldn’t this arrangement affect her pension as much as any other trust? . Executors also suggested my brother and I should be happy with that as their children are getting nothing out of the will, whilst ignoring that when our respective parents die my cousins will be getting a share of $2.7mlllion whilst my brother and I will be sharing $900k. Also, his daughter and her family have lived in grandparents house for around the last 12 months while their house is renovated - doubt they’re paying rent and whilst this does not bother me at all it is wrong to say his kids are getting nothing in the short term. Obvious douchebag behaviour , but my bro and I are well down the list of concerns here.

- My mum dislikes my aunty and would like her removed as power of attorney and enduring guardian. Does she have grounds to do so following aunty’s pretty obvious breach of her fiduciary duties as executor?

Apologies for the long post. Happy to hear any thoughts.

Should I engage a real lawyer on mums behalf? Even if this will piss off the executors and potentially lead to them no longer paying her bills? How much can mum have in trust without losing her pension? Or should she just fight for the biggest share she can get, given she is terribly unhealthy and likely won’t be around forever anyway? Where do my brother and I stand? Especially regarding signing this weird document proposed by executors? Is this all as terribly fucked up as I think it?

So today I got rear ended. Cops came, breath tested me on the spot, said I was good to go.

Went home, felt fine. Had a long day and car is rooted so not driving for the next couple days. Figured de-stress and had a small vape of my medical cannabis, then crashed out for a nap.

Woke up and my neck was a bit sore so I figured better safe than sorry and work would want a medical certificate so went to get it checked out. Ended up getting a mandatory blood test there because it was within 8 hours of the accident.

Only thing is I'd vaped AFTER the accident, not before. Like an hour after, once I was already home and already been cleared by police at the scene.

Being SA's drug driving laws are presence based not impairment based so now I'm sitting here stressing about whether that even matters.

Anyone dealt with something like this before? Does it matter that the vape was after I'd already stopped driving for the day? Kind of freaking out a bit not gonna lie.

Edit: Definitely a drug and alcohol test. It was mandatory under law. https://lawhandbook.sa.gov.au/ch12s08s03s03.php

​

Hey everyone, I'm a bit confused and stressed about a medical billing issue.

I went to a clinic that advertises itself as a "fully bulk-billed clinic" for a medical abortion. I was charged $350 just for the consultation. I am an Australian citizen with Medicare.

When I checked my bank account, the transaction is under the individual doctor's name, not the clinic's name. Also, the receipt the clinic gave me doesn't have my Medicare details on it at all. Instead, it just says "private consultation (no rebate)."

Is this normal practice for GPs doing terminations in Australia? It feels weird that a bulk-billing clinic bypassed Medicare entirely and billed me completely privately under the doctor's personal merchant ID. Can I still claim any of this back through MyGov/Medicare manually if the receipt says no rebate?

Appreciate any insight or similar experiences.

Edit: It is well known and fully bulk billed clinic (I've been going to this clinic for years). It was a consultation with a GP who is one of the few that writes medical abortion prescriptions in the clinic .

Hey everyone,
Looking for some advice on a total loss insurance settlement in NSW 🚗.
The Situation:
I was involved in a non-fault accident recently (Red P plater blew through a stop sign and came in front of my car, damaging both the cars) The other driver's insurer (Bingle) accepted liability and provided me with a hire car while assessing the damage.
They have now declared my 2005 Ford Falcon BA Mk II XT sedan a total loss (written off).
Bingle's initial offer: $5,421.00 as the market value.
Car Condition & Recent Expenses:
The car is in good mechanical shape, but over 2025–2026, I've spent roughly $2,000–$2,500 on maintenance and parts (including 4 new tyres, a new radiator, front shocks, 2 front lower control arms, and other components).
I have official receipts for the tyres and eBay purchase invoices/order details for the other parts.
My Questions for Reddit:

1. Is $5,421 a fair market value for a 2005 BA Mk II XT in today's market, or is it on the lower side?
2. How much weight do insurers actually give to recent receipts ($2k+ spent on tyres/radiator/parts)?
3. If I counter-offer, what is a realistic target figure to ask for? and what is the best way to present this evidence to the assessor so they don't just dismiss it?
4. Should i buy the car back from them for $300?

How much would i get for it at a salvage yard?

1. Appreciate any

insight.

1. Thanks!

I’m at a loss as to what to do.
My former employer overpaid me by 1 month, as no one processed my resignation. I immediately alerted them when I saw I’d been paid for the month after I left the company.

Now they are saying I owe them more money than I do, yet have not supplied me with sufficient evidence to prove this. I’m not going to pay them additional money when they cannot justify it with evidence. Further to this, they’ve formalised their stuff up with the ATO.

So far, I have attempted to get evidence out of my former employee, for the past 6 weeks, been sent payslips for the month I didn’t work, that includes sick leave I took the last month I worked there. Supplied me with vague paperwork. (This is a global conglomerate).

I’ve contacted Fairwork just to be sent to page I’d already read and used.

The ATO said I need to report a tip off. I’m not sure that’s the best way to proceed.

My union has made me repeatedly explain the situation and offered no help.

What can I do at this point to rectify the situation? I’m at a loss. I can’t seem to find any support or advice from anywhere. Seriously feeling like a character in. Kafka novel.

I'm worried that the fine I've paid has been put through and now my licence is suspended but shouldn't it say I have more than 7 and shouldn't I have gotten a licence suspension notice

So basically my old manager/owner of the pharmacy I used to work for is trying to sue me for breach of contract.

I was under the MA000027 award but I did have a contract. In the contract it states “Special conditions of employment: full-time employee, 3 years contract, failure to fulfill the
contract term will result in repayment of any expenses incurred in replacement of the employee
including agency fees, advertisement costs and training that may be required for the similar person
or to train the employee to be similarly qualified.”

I was working in a compounding pharmacy but I wasn’t provided any formal training besides on the job training. I quit because he was making me do a bunch of shady stuff with medications and so I gave no notice. I was okay with him being entitled to me final pay as that is what my award states and no where in my contract does it say there is a penalty beyond that. I was wondering if this would be legally enforceable for him to sue me for the special conditions, because from what I’ve seen on fairwork the amount that I have to pay has to be reasonable and for the benefit of not just the employer.

Any help would be greatly appreciated.

Hey everyone, looking for some advice on a frustrating workers' comp situation.
I was an ACT Government employee on a fixed-term contract. My contract has since ended, and I am no longer working.
My workers' compensation claim was formally accepted more nearly 3 weeks ago by EML (under the Comcare scheme). EML has already calculated my weekly compensation rate, and I have sent them my direct-to-worker payment forms and bank details.
However, I have not received a single cent.
EML’s excuse is that they are waiting on my work Payroll to do a historical leave audit (to check sick leave/annual leave usage) before they will release any money. Because of this, they are completely withholding both my backpay and my ongoing, active weekly payments.
My contract is over, so I have zero income and am facing immediate financial hardship. My case manager is now completely ignoring my emails.

Can an insurer legally freeze your active weekly survival payments just because they are waiting on a slow third-party payroll team to calculate historical backpay?
Who can I escalate this to right now to force a direct payment?

Photos added in comments.. But my neighbours have a camera on the top of their rear/side of house, which is well above fence line, and is directly aimed and pointed into my yard/entertainment area and is quite confronting... I will go knock on their door tomorrow, but it's new, as I've only lived here 1 year, I've never spoke to these neighbours before as they are directly behind me...

How does this stand legally?

Looking for honest opinion on who would be at fault in this scenario?

ReversingIncident

i was coming out of my driveway, the falcon wagon came up fast and appeared to go 'past' my driveway, i couldn't see them as they are obstructed by the light pole in that driveway. The video shows the point of impact the moment my rear wheels drop down my gutter and onto the road, just as the other car becomes stationary in the road.

Hi everyone, so as the title states.

It was a rough few months, I struggled to pay my rising electricity bill, and I applied for hardship extension on a bill. I’m in a better place financially now. My first bill was DUE (not issued) on the 1st of July. It was paid off on the 20th of August (notably less than 60 days apart).

I checked my credit score and was shocked to find a huge default against my account that tanked my credit score by about 350 points. The company obviously has not advised me at any point that they will be proceeding with this kind of action, apart from a vague warning that “Collections” may have to be contacted if my bill isn’t paid in time.

What can I do from here? How do I go about contesting this? I don’t have a paid credit report, only a free version, so I can’t see all the details.

Thanks in advance.