Your account will fall into default once your account has fallen into more than 6 months in arrears. Remember these do not need to be consecutive missed payments, more than 6 months in arrears and your account will default.
The best way to not miss payments is to ensure that you have direct debits set up for all your commitments, and the best date to set them up for is the day after pay day, this will ensure that you have sufficient funds available, so no missed payments occur.
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