Help! Trying to agree plan with QQ Flexcredit in Quick Quid and associated trading names Posted August 14, 2014 Tell them you want to terminate the agreement and then demand that the current repayment plan is instated for the entire amount owed. QQ are up to their usual tricks. They can default your credit file, but they must issue a default notice that gives you a statutory timeframe and provides a reason and date to repay the arrears. They cant default it immediately upon terimination of the account or upon non payment. They can add markers to your file saying you were late, or you missed payments, but they have to give you the opportunity to rectify first before issuing a default. Thanks alot, Any idea on where I would start with this email/letter wise? I really can't afford a default notice to be added to my account..