I asked Marbles to close my account, because the interest rate was going to be increased.

They agreed to "close" which means let me repay at the old APR rate, not allow new transactions.

The rules say I'm allowed to do this, and I can repay, at the old rate within a "reasonable time"

Then I called up, few months later, saying lost employment, need to freeze interest completely,

went thru income/expenditure and had it frozen. They agreed to reduce the monthly payments for 6 to 12 months.

I kept up with the reduced payments, as agreed, and now they've sent a default notice. It's not even been 3 months yet.

I think this default notice, is a system generated one.

They've done this before. They issued a £12 penalty fine, even though I paid the correct amount, due for that month, and I then cancelled direct debit. They cancelled the £12 fine previously, and apologised as it was wrongly issued on their end.

Was planning on calling on Monday, saying I had an agreement to pay reduced payments, put in place only a couple of months ago etc, why you defaulting me.

Just curious to know, what I should do. We had an agreement, they agreed to, very recently, and I stuck to it.

Pretty sure it's the automated system taking over.

If I complain, could rock the boat, and

Not sure if them issuing a default, whilst I'm in a payment plan, counts as treating customers fairly?

I can't afford to pay the amount in the default notice.

Thanks in advance

never call always write so you have a paper trial. they can issue a default because even though you are in a payment plan you are not paying the higher amount you are contracted for . also I have gone though this as well they do seem to be issueing defaults now on the 3rd month or they did on all of mine

Default is a true account! so just carry on paying the agreed amount, as far as the amount shown on default that is showing the actual default amount - information as to the default , so nothing wrong there!, that they have to record so nothing wrong there!

an agreement to pay lower has no bearing on registering defaults - as long as it is a fact! They have to record facts with CRAs as per Regulators requirements.