Names and identifying details in this case study have been changed to protect our client’s privacy.

Adam applied for a home loan and found a default on his credit file from a large energy retailer. It was under $200. He’d never heard of the account.

How it got there

It turned out a former employer had set up business energy accounts in Adam’s name, without his permission. He knew nothing about them until the business collapsed and the debts came looking for someone to land on.

Diagram of how this case was resolved: accounts he never opened, never lived at addresses, not liable for the debt, removed in 103 days

He had never lived at the supply addresses. He had never agreed to the accounts. Still, there was his name on a default.

What was at stake

A small default can be enough to stop a home loan. Adam’s broker referred him to us because he wanted this cleared before he went any further with his application.

What we found

At first the retailer wouldn’t budge. It said the default had been listed correctly. We escalated the matter to the energy ombudsman with evidence that Adam had never been at those addresses.

Why it came off

Through the ombudsman process, the retailer accepted that Adam wasn’t liable for the accounts. They had been set up by his old employer, and he could show he was never at the properties. The default was removed.

The result

We started on 24 February. The default was removed on 6 June, 103 days later. Adam could proceed with his home loan.

What this means for you

If a debt on your file isn’t yours, you shouldn’t have to pay it to make it go away. Evidence of where you actually lived can be powerful. If the creditor won’t listen, an ombudsman complaint often changes things. Our credit repair lawyers handle these escalations.

This is a past matter. Names and identifying details have been changed to protect our client’s privacy.

Results depend on individual circumstances. Every credit file is different, and a past result doesn’t guarantee the outcome of your matter. This case study is general information, not legal advice.

Don’t spend another month stuck in Credit Prison. Call our credit repair lawyers on 1300 667 218 or book a 15-minute intro call at https://mycralawyers.com.au/15min-credit-repair-intro-call/ . If we think your chances are low, we’ll tell you straight.

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