Miss Coco requests a consult with you as you are the best consumer lawyer in town. She has recently suffered a negative customer experience with her credit provider. On 11th November 2020 action was taken against her on the basis of her indebtedness to the credit provider. Miss Coco says that she was not made aware that the debt was owing, and received no notice informing her of being in default under the credit agreement. Discuss where Miss Coco can lodge a complaint, the administrative bodies established by the NCA, and steps to follow when lodging a complaint.