This company sends people's details to credit bureaus without contacting them or letting them know about it which is *******.

I didn't even know I owed Discovery till I checked my credit record- after contacting Discovery I was told I was handed over to this company who sent me a statement that included smses which I never received. I have asked where they sent these and haven't received a response. Now I have a default on my credit record and it's my first time getting this in my life.