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

Brad will tell you himself: he moved and didn’t tell Vodafone. He wasn’t aware of the amount owing, about $2,000, at the time it was defaulted.

He found the default when he got a copy of his own credit report. It was held by a debt collector, ACM Group.

Diagram of how this case was resolved: moved, forgot to update, checked the notices, not sent to last address, removed in 140 days

What it was doing

Brad’s mortgage broker referred him to us. As long as the default was there, finance was off the table.

A slow start

ACM Group couldn’t give us the documents at first. It said a computer upgrade meant its email to Vodafone never went through. Then it decided the default was valid and declined to remove it.

What we found

Here’s the part a lot of people don’t know. Even if you didn’t update your address, a creditor still has to send the required notices to your correct last known address before listing a default. “Last known” means what they knew, or could reasonably have known.

Vodafone hadn’t sent the notices to Brad’s correct last known address before listing.

Why it came off

Because Vodafone failed to send the required notices to Brad’s correct last known address before it listed the default, the default was removed.

The result

We started on 31 August. The default came off on 18 January, 140 days later. Brad could go after finance again.

What this means for you

Don’t rule yourself out because you forgot to update your address. The creditor’s obligations don’t disappear. Our credit repair lawyers check what the creditor actually knew about where you lived.

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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