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I believe the credit reporting system in Australia is grossly unfair to good honest Australians that may have run into a bit of chaos at some point. Even if you’d committed a serious crime, you’d still get to defend yourself before being convicted, but a creditor can default you, effectively sentencing you to five years Hard Labour in ‘Credit Prison’ where you are completely stuck with little to No Options or chances to move ahead Unless MyCRA Lawyers comes to your rescue.
Since 2009, I have made it my personal mission to help as many people as I can get ‘Early Release’ and where possible, a ‘Full Pardon’ by proving you should never have been sentenced (defaulted) in the first place!
Jason had an overdue account with his Westpac credit card. He never received any communication with regards to the overdue amount. Jason and his wife moved address and had a mail direction service with Australia post, but still, he did not receive anything from Westpac.
Baycorp refused to remove the default at the time of the investigation.
MyCRA Lawyers lodged a complaint with the ombudsman. MyCRA Lawyers complaint raised the following issues: no s88, no accelerated 6Q and no 21D (Baycorp only provided templates). While CIO complaint was still ongoing, MyCRA Lawyers drafted ASIC complaint and presented this to Baycorp. Issued raised in MyCRA Lawyers’ complaint were: no credit guide provided by Baycorp (s 160 NCCPA), breach of general conduct requirement (s 47 NCCPA), no statement of amount owing (s 36 NCC), no copy of contract (s 20 & 185 NCC), no s 88 NCC. This started negotiations regarding a resolution. Baycorp then agreed to remove the default and presented Jason with a proposed repayment arrangement.
Jason engaged MyCRA Lawyers to investigate the likelihood of removal of a default listing on his credit file. Jason only discovered the bad credit default listing when he did a CRA check and saw the default. MyCRA Lawyers negotiated the successful removal of his bad credit default listing in 491 days. Jason* can now move forward financially. Congratulations Jason and good luck!
From the moment Amalia started her contract with Vodafone she had never received an invoice. She contacted Vodafone to advise them that she had not been receiving any billing information and they advised her that they already forwarded the account to credit collections. The client had then received a demand letter from the collections department. Amalia then made an arrangement with Vodafone, however Vodafone advised that the account has been terminated and that Amalia has to pay the amount in full. At the time, she was not able to pay such a huge amount. No follow ups were received from Vodafone after that.
The creditor responded to MyCRA Lawyers requests in a timely manner.
Vodafone were advised of the difficulties due to which payments were delayed on this account which eventually led to the listing of default. Vodafone then agreed to remove the default.
Amalia was referred to our office by her mortgage broker. MyCRA Lawyers negotiated the removal of her default in just 18 days and Amalia can now move forward financially. Congratulations Amalia and good luck!
The debt was from when equipment was stolen in a robbery from their shop. Liana and her husband did not have insurance to cover the loss. NAB told Liana that if they paid $5000, they would remove the default. Liana paid the money however NAB never removed the default.
MyCRA Lawyers have not received further documents we have requested from NAB’s Collections Defaults Team.
MyCRA Lawyers drafted an FOS complaint and an OAIC complaint. FOS advised that the listing was removed, however, our Law Firm never received any correspondence from NAB regarding this.
Liana and her husband were referred to MyCRA Lawyers by their mortgage broker. Liana engaged MyCRA Lawyers to investigate the likelihood of removal of a default listing on her credit file. The listing was the direct result of the time the equipment they purchased was stolen from their shop and they did not have any insurance to cover the loss. Liana only discovered the bad credit default listing when she applied for finance and was declined. MyCRA Lawyers negotiated the successful removal of her bad credit default listing in 71 days. Liana* can now achieve finance approval. Congratulations Liana and good luck!
Sarina had enquiry listings on her credit report. She claims she has never had any dealings with any of the creditors before. She suspects that the enquiries were fraudulent and were placed by a former director or staff member as they would have had access to her personal information.
The creditor responded to our Law Firm requests in a timely manner.
MyCRA Lawyers advised Macquarie that Sarina claims that the enquiry was fraudulently made and Macquarie requested a statutory declaration be provided. Sarina provided this and Macquarie agreed to the removal based on fraud.
Sarina engaged MyCRA Lawyers to investigate the likelihood of removal of enquiry listings on her credit file. These listings were the direct result of the time the applications were made fraudulently. MyCRA Lawyers negotiated the successful removal of her bad credit enquiry listing in 47 days. Sarina* is now a step closer to achieving a finance approval. Congratulations Sarina and good luck!
Nothing short of a amazing experience with MyCRA. They dealt with my matter professionally and the whole matter was resolved, and beyond my expectation. I would not hesitate to recommend them.
geegadwar I had a great chat with Graham and his advice and the information he shared with me have benefited my credit report greatly! We are currently sitting at a 99% successful removal rate, still awaiting a response from the last one, but believe this outcome will also be successful!
Dimity Jones-SarcinA company that looks out for you and your situation. MyCRA values doing the right thing by you no matter what it takes. They really understand how it feels to be dealing with bad credit. Their experience and expertise are incredible. A big thankyou to MyCRA.
Megan EldridgeGraham and his team were fantastic They are professional and very helpful and explained the process which made it so much easier I would highly recommend Graham and his team to help sort credit issues
Jason HenselisAbsolutely amazing. So friendly and understanding. I saved myself $9,000 that I can now put towards my new home I’ll be about to get! Thank you again! Very happy customer 🙂🥰
Skye BrosnanI have inquired the second time around with MyCRA Lawyers and had the pleasure to speak with Joel who has been very patient with clarifying all my questions regarding the process and options there are available. No hard sell. Really appreciate the guidance.
BEOZ MARTI've been dealing with Graham (CEO of myCRA Lawyers) over the past few years and couldn't be happier! Absolute straight shooter of a bloke, no messing around and tells it exaclty how it is. A True Professional. 5 stars, highly recommended.
Hayden Graham and his team was great and professional and understanding! I Would Highly recommend his service to anyone! 👍🏻👍🏻👍🏻🌟🌟🌟🌟🌟
PHUONG DUNGOnce again when I needed it Grahame and his team where there to assist. He gave me comprehensive advice regardless of whether it was going to lead to me using his services. A genuine man.
Jonathan WelcomeFrom the minute I spoke to Graham and the team I was at ease. He took the time to explain everything I needed to know and genuinely cared. I wish I contacted him years ago. Graham thank you so much I can’t tell you the relief I feel from speaking to you. Just a genuine person and will help even if doesn’t mean business for him.
Jonathan WelcomeAbsolutely cannot recommend more highly this service. Extremely knowledgeable and have great support systems. They are well know in the industry and have transparency and understanding.
Christian SteinbacherThe team at MyCRA Lawyers were fast, professional and kept in contact with me throughout the whole process. Very friendly team especially Clarissa, Kristina and Sharni. I was able to have my default removed asap and now have a clean credit report.
Nicole GoldsackSo glad I seen Graham on utube doing a video. I can't thank Clarissa enough for all her hard work on getting a default removed. Very professional and always kept up to date. Would highly recommend your services to friends and family. Thanks all, couldn't have done it without you.
Angela DevlynAbsolutely amazing service, support and professionalism. MyCRA has completely changed my life. Personal shout to Clarissa and Sabrina for their continuous support and assistance throughout the difficult process. And a personal thank you to the whole team at MyCRA. Your hard work is appreciated by myself and my partner.
Kylie OttGraham and the team were great to deal with, rate was reasonable to get a default from an ex removed. They got the creditor to remove this is less than 7 days which was a great result. Just bare in mind as i was unaware and thought it would take less time, it then takes 20 business days (one month) for it to be removed from your credit file so unfortunately couldn't hold onto the house we made an offer on as they'd only give us a 2 week extension not 5! I do recommend the team as they do what they say and they get the end result! communication was great too just wish it didn't take so long for it to be officially removed from a credit file.
K C
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