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

When Jess and her husband moved from the Northern Territory to Queensland, they called their power company, Jacana Energy, before leaving. They understood the account was finalised.

Money was tight after the move. Her husband was looking for work and they were living on one income. When a request for payment eventually reached them, they asked to see an actual bill first. That was reasonable, given they thought the account was closed.

Diagram of how this case was resolved: final bill after a move, notices to old address, wrong last known address, removed in 10 days

Instead, a small default, about $260, ended up on Jess’s credit file.

What it was doing

The couple only found out when they applied for finance and were declined. A default this small can still wreck an application.

What we found

The issue was the address. Jacana Energy hadn’t sent its notices to Jess’s correct last known address after the move.

Why it came off

We drafted a request based on the incorrect last known address. A representative from Jacana Energy checked and confirmed it. The default was removed.

The result

We started on 10 October. The default came off on 20 October, 10 days later. Jess could go ahead with finance.

What this means for you

Final bills after a move are a classic trap. If you told the provider you were leaving and the notices still went to the old place, that may be enough to have the default removed. Our credit repair lawyers see this one all the time.

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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