Home case study Archives - MyCRA Specialist Credit Repair Lawyers

CASE STUDY – REMOVAL – Jason, from Queensland, had a Westpac/Baycorp default removed in 491 days
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CASE STUDY – REMOVAL – Jason, from Queensland, had a Westpac/Baycorp default removed in 491 days

Accredited Referrers, Broker, Case Study, Consumer, Credit Repair, Defaults, Hardship, Home case study, Removals

CASE STUDY – REMOVAL – Jason, from Queensland, had a Westpac/Baycorp default removed in 491 days

By john_smith|2020-09-12T22:28:58+10:0005/09/2020|Accredited Referrers, Broker, Case Study, Consumer, Credit Repair, Defaults, Hardship, Home case study, Removals|

Credit Repair Background:

Jason had an overdue account with his Westpac credit card. He never received any communication with regards to the overdue amount. Jason and his wife moved address and had a mail direction service with Australia post, but still, he did not receive anything from Westpac.

What were any challenges with the creditor?

Baycorp refused to remove the default at the time of the investigation.

Why was the listing removed?

MyCRA Lawyers lodged a complaint with the ombudsman. MyCRA Lawyers complaint raised the following issues: no s88, no accelerated 6Q and no 21D (Baycorp only provided templates). While CIO complaint was still ongoing, MyCRA Lawyers drafted ASIC complaint and presented this to Baycorp. Issued raised in MyCRA Lawyers’ complaint were: no credit guide provided by Baycorp (s 160 NCCPA), breach of general conduct requirement (s 47 NCCPA), no statement of amount owing (s 36 NCC), no copy of contract (s 20 & 185 NCC), no s 88 NCC. This started negotiations regarding a resolution. Baycorp then agreed to remove the default and presented Jason with a proposed repayment arrangement.

Summary:

Jason engaged MyCRA Lawyers to investigate the likelihood of removal of a default listing on his credit file. Jason only discovered the bad credit default listing when he did a CRA check and saw the default. MyCRA Lawyers negotiated the successful removal of his bad credit default listing in 491 days. Jason* can now move forward financially. Congratulations Jason and good luck!

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CASE STUDY – REMOVAL – Amalia, from Queensland, had a Vodafone default removed in just 18 days!
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CASE STUDY – REMOVAL – Amalia, from Queensland, had a Vodafone default removed in just 18 days!

Accredited Referrers, Broker, Case Study, Consumer, Credit Repair, Defaults, Hardship, Home case study, Removals

CASE STUDY – REMOVAL – Amalia, from Queensland, had a Vodafone default removed in just 18 days!

By john_smith|2020-09-12T22:26:36+10:0005/09/2020|Accredited Referrers, Broker, Case Study, Consumer, Credit Repair, Defaults, Hardship, Home case study, Removals|

Credit Repair Background:

From the moment Amalia started her contract with Vodafone she had never received an invoice. She contacted Vodafone to advise them that she had not been receiving any billing information and they advised her that they already forwarded the account to credit collections. The client had then received a demand letter from the collections department. Amalia then made an arrangement with Vodafone, however Vodafone advised that the account has been terminated and that Amalia has to pay the amount in full. At the time, she was not able to pay such a huge amount. No follow ups were received from Vodafone after that.

What were any challenges with the creditor?

The creditor responded to MyCRA Lawyers requests in a timely manner.

Why was the listing removed?

Vodafone were advised of the difficulties due to which payments were delayed on this account which eventually led to the listing of default. Vodafone then agreed to remove the default.

Summary:

Amalia was referred to our office by her mortgage broker. MyCRA Lawyers negotiated the removal of her default in just 18 days and Amalia can now move forward financially. Congratulations Amalia and good luck!

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CASE STUDY – REMOVAL – Liana, from New South Wales, had a NAB default removed in 71 days
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CASE STUDY – REMOVAL – Liana, from New South Wales, had a NAB default removed in 71 days

Accredited Referrers, Broker, Case Study, Cash Flow Issues, Consumer, Credit Repair, Defaults, Hardship, Home case study, Removals

CASE STUDY – REMOVAL – Liana, from New South Wales, had a NAB default removed in 71 days

By john_smith|2020-09-12T22:43:28+10:0005/09/2020|Accredited Referrers, Broker, Case Study, Cash Flow Issues, Consumer, Credit Repair, Defaults, Hardship, Home case study, Removals|

Credit Repair Background:

The debt was from when equipment was stolen in a robbery from their shop. Liana and her husband did not have insurance to cover the loss. NAB told Liana that if they paid $5000, they would remove the default. Liana paid the money however NAB never removed the default.

What were any challenges with the creditor?

MyCRA Lawyers have not received further documents we have requested from NAB’s Collections Defaults Team.

Why was the listing removed?

MyCRA Lawyers drafted an FOS complaint and an OAIC complaint. FOS advised that the listing was removed, however, our Law Firm never received any correspondence from NAB regarding this.

Summary:

Liana and her husband were referred to MyCRA Lawyers by their mortgage broker. Liana engaged MyCRA Lawyers to investigate the likelihood of removal of a default listing on her credit file. The listing was the direct result of the time the equipment they purchased was stolen from their shop and they did not have any insurance to cover the loss. Liana only discovered the bad credit default listing when she applied for finance and was declined. MyCRA Lawyers negotiated the successful removal of her bad credit default listing in 71 days. Liana* can now achieve finance approval. Congratulations Liana and good luck!

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CASE STUDY – REMOVAL – Sarina, from Queensland, had a Macquarie enquiry removed in 47 days
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CASE STUDY – REMOVAL – Sarina, from Queensland, had a Macquarie enquiry removed in 47 days

Accredited Referrers, Broker, Case Study, Cash Flow Issues, Consumer, Credit Repair, Defaults, Hardship, Home case study, Removals

CASE STUDY – REMOVAL – Sarina, from Queensland, had a Macquarie enquiry removed in 47 days

By john_smith|2020-09-12T22:43:08+10:0005/09/2020|Accredited Referrers, Broker, Case Study, Cash Flow Issues, Consumer, Credit Repair, Defaults, Hardship, Home case study, Removals|

Credit Repair Background:

Sarina had enquiry listings on her credit report. She claims she has never had any dealings with any of the creditors before. She suspects that the enquiries were fraudulent and were placed by a former director or staff member as they would have had access to her personal information.

What were any challenges with the creditor?

The creditor responded to our Law Firm requests in a timely manner.

Why was the listing removed?

MyCRA Lawyers advised Macquarie that Sarina claims that the enquiry was fraudulently made and Macquarie requested a statutory declaration be provided. Sarina provided this and Macquarie agreed to the removal based on fraud.

Summary:

Sarina engaged MyCRA Lawyers to investigate the likelihood of removal of enquiry listings on her credit file. These listings were the direct result of the time the applications were made fraudulently. MyCRA Lawyers negotiated the successful removal of her bad credit enquiry listing in 47 days. Sarina* is now a step closer to achieving a finance approval. Congratulations Sarina and good luck!

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CASE STUDY – REMOVAL – Nicholas, from Victoria, had a Latitude Finance default removed in 30 days
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CASE STUDY – REMOVAL – Nicholas, from Victoria, had a Latitude Finance default removed in 30 days

Accredited Referrers, Broker, Case Study, Cash Flow Issues, Consumer, Credit Repair, Defaults, Hardship, Home case study, Removals

CASE STUDY – REMOVAL – Nicholas, from Victoria, had a Latitude Finance default removed in 30 days

By john_smith|2020-09-12T22:43:02+10:0004/09/2020|Accredited Referrers, Broker, Case Study, Cash Flow Issues, Consumer, Credit Repair, Defaults, Hardship, Home case study, Removals|

Credit Repair Background:

Taylor* was not in the country between 2017 – 2019 when the account fell into arrears. As soon as Taylor* was made aware of the outstanding account, he made efforts to rectify it straight away.

What were any challenges with the creditor?

There were no issues with the creditor as they responded to our credit repair lawyers' default removal requests in a timely manner.

Why was the listing removed?

Lion Finance requested evidence of Taylor* residing overseas and MyCRA Lawyers provided information.

Summary:

Taylor* engaged MyCRA Lawyers to investigate the likelihood of removal of a Vodafone / Lion Finance default listing on his credit file. The listing resulted when Taylor* went back to China for his family. Taylor* only discovered the bad credit default listing when he went back to Australia. MyCRA Lawyers negotiated the successful removal of his bad credit default listing in just 4 days. Taylor* can now move forward financially. Congratulations

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CASE STUDY – REMOVAL – Janine (Ref:12135) from Queensland had her Westpac/Lion Finance default removed in 24 days
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CASE STUDY – REMOVAL – Janine (Ref:12135) from Queensland had her Westpac/Lion Finance default removed in 24 days

Accredited Referrers, Broker, Case Study, Cash Flow Issues, Consumer, Credit Repair, Defaults, Hardship, Home case study, Removals

CASE STUDY – REMOVAL – Janine (Ref:12135) from Queensland had her Westpac/Lion Finance default removed in 24 days

By Tanya P|2021-05-25T16:40:16+10:0017/02/2020|Accredited Referrers, Broker, Case Study, Cash Flow Issues, Consumer, Credit Repair, Defaults, Hardship, Home case study, Removals|

Credit Repair Background:

Taylor* was not in the country between 2017 – 2019 when the account fell into arrears. As soon as Taylor* was made aware of the outstanding account, he made efforts to rectify it straight away.

What were any challenges with the creditor?

There were no issues with the creditor as they responded to our credit repair lawyers' default removal requests in a timely manner.

Why was the listing removed?

Lion Finance requested evidence of Taylor* residing overseas and MyCRA Lawyers provided information.

Summary:

Taylor* engaged MyCRA Lawyers to investigate the likelihood of removal of a Vodafone / Lion Finance default listing on his credit file. The listing resulted when Taylor* went back to China for his family. Taylor* only discovered the bad credit default listing when he went back to Australia. MyCRA Lawyers negotiated the successful removal of his bad credit default listing in just 4 days. Taylor* can now move forward financially. Congratulations

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CASE STUDY – REMOVAL – Private Company* (Ref:9702) from Queensland had their Origin Energy/Panthera Finance default removed in 238 days
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CASE STUDY – REMOVAL – Private Company* (Ref:9702) from Queensland had their Origin Energy/Panthera Finance default removed in 238 days

Accredited Referrers, Broker, Business Credit, Case Study, Credit Repair, Defaults, Home case study, Relationship Breakup, Removals

CASE STUDY – REMOVAL – Private Company* (Ref:9702) from Queensland had their Origin Energy/Panthera Finance default removed in 238 days

By Tanya P|2021-05-25T16:50:29+10:0017/02/2020|Accredited Referrers, Broker, Business Credit, Case Study, Credit Repair, Defaults, Home case study, Relationship Breakup, Removals|

Credit Repair Background:

At the time, the account name was registered under Private Company's* then partner's details, including home address and contact information.

What were any challenges with the creditor?

Panthera Finance's records indicate there was currently no default listing associated to the outstanding Origin Energy account, as such, they have requested further information to investigate this matter.

Why was the listing removed?

MyCRA Lawyers sent a complaint letter to Panthera Finance addressing outstanding issues and upon review have agreed to remove the default listing.

Summary:

Private Company* engaged MyCRA Lawyers to investigate the likelihood of removal of an Origin Energy / Panthera Finance default listing on their credit file. The listing resulted when they cut ties with their former partner and they were not informed of the circumstances or have been notified about any correspondences from Origin from their former partner

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CASE STUDY – REMOVAL – Jason* (Ref:13193) from Queensland had his Credit Corp default removed in 4 days
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CASE STUDY – REMOVAL – Jason* (Ref:13193) from Queensland had his Credit Corp default removed in 4 days

Accredited Referrers, Broker, Case Study, Changed Address, Consumer, Credit Repair, Defaults, Home case study, Relationship Breakup, Removals

CASE STUDY – REMOVAL – Jason* (Ref:13193) from Queensland had his Credit Corp default removed in 4 days

By Tanya P|2021-06-03T19:41:02+10:0011/02/2020|Accredited Referrers, Broker, Case Study, Changed Address, Consumer, Credit Repair, Defaults, Home case study, Relationship Breakup, Removals|

Credit Repair Background:

Jason* and his partner split up and her ex-partner was disposing the mail. Jason was not living at the property and he had no idea about the letters or anything. Jason* eventually found a letter when he went to her house to collect some possessions and saw the letter saying that unless he called by that date, they would be placing a default on his file.

What were any challenges with the creditor?

There were no issues with the creditor as they responded to our credit repair lawyers' default removal requests in a timely manner.

Why was the listing removed?

MyCRA Lawyers sent a demand letter to Credit Corp and upon review have agreed to remove the default listing on a no admissions basis.

Summary:

Jason* engaged MyCRA Lawyers to investigate the likelihood of removal of a Credit Corp default listing on his credit file. The listing resulted from a relationship breakup and his ex-partner was disposing the mails. Jason moved out of the house and only saw the notice when he went to his ex-partner's house to collect some possessions.

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CASE STUDY – REMOVAL – Harold (Ref:11494) from Victoria had his Power and Water Corporation/Jacana Energy default removed in 203 days
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CASE STUDY – REMOVAL – Harold (Ref:11494) from Victoria had his Power and Water Corporation/Jacana Energy default removed in 203 days

Accredited Referrers, Broker, Case Study, Changed Address, Consumer, Credit Repair, Defaults, Home case study, Overdue Accounts, Removals

CASE STUDY – REMOVAL – Harold (Ref:11494) from Victoria had his Power and Water Corporation/Jacana Energy default removed in 203 days

By Tanya P|2021-05-25T19:28:40+10:0011/02/2020|Accredited Referrers, Broker, Case Study, Changed Address, Consumer, Credit Repair, Defaults, Home case study, Overdue Accounts, Removals|

Credit Repair Background:

Harold* was not experiencing any form of financial hardship. He moved address and believed he did inform them when the final bill was requested. He was not aware that the account was overdue and he was not contacted by the creditor.

What were any challenges with the creditor?

Jacana Energy declined to remove the listing even after numerous complaints were raised regarding the default being statute barred. Equifax refused to remove the listing even after it was raised that the matter was statute barred as Jacana Energy advised Equifax that this was not the case.

Why was the listing removed?

MyCRA Lawyers sent various complaints to Jacana Energy & Equifax regarding default being statute barred. Final resolution due to confirmation from Equifax to Jacana Energy it was not possible to be listed as the matter is statute barred.

Summary:

Harold* engaged MyCRA Lawyers to investigate the likelihood of removal of a Power & Water Corporation / Jacana Energy default listing on his credit file. The listing resulted when Harold* was not aware of the overdue account and did not received correspondence from creditor.

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