Unfair Default Listing

it is quite pathetic that as a discovery client, i do not get notified that i am going to be listed. I had medical aid through my company last year with discovery and got retrenched in november. Discovery has not contacted me regarding this account is God knows how many months, but today when i try to be a car i had to be embarrassed in front of people because i was informed that i was blacklisted yet i had no prior knowledge of this. Do you know that having a default against your name takes away over 100 points with transunion, is discovery going to repair my credit profile or add the points back to my score???? What they have done is completely ******* as nobody can be listed as a defaulter without notice!!!!