Bad Credit Rating Default Removal Case Study
MyCRA (Specialist Credit Repair) Lawyers Client Profile:
| Name: | Maria* |
| State: | QLD |
| Sex: | Female |
| Age: | 45 |
| Married/Single: | Married |
| Listing Type: | Default |
| Original Creditor: | Origin Energy |
| Current Creditor: | – |
| Paid / Unpaid: | Paid |
| Listing Amount: | $795 |
| Commenced work: | 07/06/2018 |
| Default Resolution: | 25/09/2018 |
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Credit Repair Background:
Sophia* required surgery which resulted in her not being able to drive and therefore requiring 3 months off work, which led to loss of employment. During this time she fell behind with her Origin bill which ended up in Origin listing a default against her credit file.
What were any challenges with the creditor?
Origin was adamant that the default was valid and initially refused to remove the listing.
Why was the listing removed?
MyCRA Lawyers drafted a complaint letter raising privacy issues. Origin did not adequately respond to this, therefore Sophia’s solicitor drafted an additional letter raising breaches of debt collection guidelines and privacy laws. Origin refused to respond to the second letter. MyCRA Lawyers lodged OAIC complaint and referred this to Origin. Sophia’s solicitor also demanded Origin provide additional evidence of proof they followed correct procedures. Subsequently, Origin agreed to removal.
Summary:
Sophia engaged MyCRA Lawyers to investigate the likelihood of removal of 2 default listings on her credit file. These listings were the direct result of the time she lost her job and had 3 months off. MyCRA Lawyers negotiated the successful removal of her bad credit default listing in 110 days. Sophia can now move forward financially as her two default listings are removed. Congratulations Sophia and good luck!
Sophia’s* name has been changed to protect privacy
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