WHAT TO DO If you receive a default notice, act immediately. Pay the arrears within 30 days if you can. If you can’t, contact the credit provider and ask to speak to a ‘hardship officer’ or to ‘customer service’ (see 'At the end of your tether' for more information). If the lender won’t agree to a repayment arrangement, lodge a dispute in writing to the lender’s External Dispute Resolution Scheme (All lenders must be a member of an EDR scheme.) EDR is free and will stop all legal action, including repossession, until the EDR Scheme has considered your dispute.