BNPL default? Get it gone — fast.

Default Gone is a consumer-advocacy service, not a law firm. We pursue every legal pathway under the Privacy Act 1988 (Cth) and the National Consumer Credit Protection Act 2009 to remove unlawfully-listed BNPL defaults — outcomes depend on case facts. The fee covers our work: grounds analysis, dispute letter preparation, formal submission to the BNPL provider and the credit bureau, 30-day tracking, and external review escalation where required.

Why BNPL is different

Until the Treasury Laws Amendment (Responsible Buy Now Pay Later and Other Measures) Act 2024 commenced on 10 June 2025, BNPL providers operated outside the responsible-lending framework that has applied to other consumer credit since 2009. Post-commencement, BNPL is regulated consumer credit under the NCCPA — which means BNPL providers now owe responsible-lending duties at origination and across the life of the contract. A default listed by a BNPL provider that did not satisfy those duties is reviewable on grounds that simply did not exist for these accounts before 10 June 2025.

The other BNPL-specific issue is the chain-of-assignment trail. BNPL providers commonly sell unpaid accounts to debt-purchaser businesses, who then list the default in their own name. The Privacy Act 1988 (Cth) and the Credit Reporting Privacy Code 2014 set strict requirements for the s.21D notice of disclosure that must precede any default listing. When a debt has changed hands one or more times before listing, the chain of notices — and the legal-entity match between the listing party and the original credit provider — is frequently broken. That is a reviewable ground on its own.

BNPL providers we cover

If your default sits with a BNPL provider not listed here, lodge anyway — we review every listing on its facts under the same Privacy Act 1988 (Cth) framework. The list above reflects the active set of Australian BNPL providers as of 23 September 2026.

$299 vs $399 — when each applies

The reduced $299 fee applies where the listing is on a BNPL account with one of the providers above. Defaults on credit cards, personal loans, telcos, energy retailers, banks, and traditional debt collectors continue to sit under our standard $399 flat fee — the merit assessment touches more branches and the regulatory framing is broader. Where a single consumer holds multiple defaults across both categories, each listing is engaged separately at its own tier.

What the $299 covers

• Grounds analysis against the Privacy Act 1988 (Cth) Part IIIA, the Credit Reporting Privacy Code 2014, the BNPL-applicable parts of the National Consumer Credit Protection Act 2009 (post-10 June 2025), and the relevant state Limitation Act
• Drafting of the dispute letter, citing each statute and code paragraph that applies on your facts
• AI compliance review of every line before filing
• Parallel filing to the BNPL provider and the credit reporting body
• 30-day statutory response window tracked end-to-end, with chase-up correspondence as required
• External review escalation where the provider refuses or fails to respond, at no additional charge
• Lifecycle email and SMS updates on every event — payment received, dispute filed, bureau acknowledgement, provider response, file resolved