Woke up this morning to this lovely e-mail in my inbox:
This is to inform you that your account with us has been in default for
over 2 weeks now. Attempts have been made to contact you regarding your account. Your refusal to contact us in return has been an indication
that you do not intend to make good on the advance.
As a step in our normal collection process we have reported the account
to Telecheck and Teletrak Services.