Hi intake159, Thanks for reaching out. We are sorry to hear that you received multiple bills within a short duration. If you have made any additional payments to your account please feel free to contact us to organise a refund. Credit rating and default listing usually come into the picture at the very end of our collection process if we are unable to reach our customer to organise an arrangement. We can assure you that this will not impact your credit in any way. We apologise for any inconvenience. Cheers, Deepesh