Credit Repair Background:
Mark’s father passed away at the time of the default listing while he was experiencing emotional hardship.
What were any challenges with the creditor?
CS Storage believed they didn’t have access to Veda Advantage, nor did they agree with the non-compliance issues raised. The matter was referred for further investigation.
Why was the listing removed?
When our paralegal’s investigated Mark’s matter, we disputed the validity of the default listing as the account was listed as a commercial listing, however the storage was used exclusively for consumer purposes.
We further disputed the contract Mark signed as it provided no clause allowing CS Storage the right to access Mark’s credit report.
We also questioned why, when the account fell into arrears in October 2009, it took almost 5 years before Mark was default listed. Had Mark been listed correctly, the default would have been due to automatically expire.
CS Storage responded by denying all allegations and further stated that they have no access to Veda Advantage and therefore could not remove the default in any event.
The details of the matter were forwarded to the credit reporting bodies and the listing was subsequently removed.
Summary:
Mark was referred to MyCRA Lawyers by his mortgage broker to have his incorrectly listed commercial default removed. We were able to remove his default listing and Mark can now move forward financially. Congratulations Mark!
