Tag: St George/Lion Finance

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Bad Credit Rating Removal Case Study

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Client Profile:

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Credit Repair Background:
Jeremy got behind on his credit card with St George and not long after, they changed their name in Victoria to Bank of Melbourne. Whilst this caused some confusion in making payments, they cancelled Jeremy’s card which meant he could no longer access it to make payments at atm. Nevertheless Jeremy continued to make payments to paying down the 14k balance to 7k at this point no default had been listed by the bank. In August last year, the bank sold his debt to Lion Finance who contacted him about paying the debt in full. He told Lion Finance that it was not possible but that he could continue to make regular payments as he had been doing with the bank to reduce the total. Lion Finance and Jeremy agreed to $500 a month and they also advised Jeremy that if he did not pay, this would be a bad mark on his credit file. Jeremy was surprised when he went for finance to discover that Lion Finance had listed a default against his credit file.

What were any challenges with the creditor?
Lion Finance refused to remove the default at the time of the investigation.

Why was the listing removed?
MyCRA Lawyers drafted a settlement offer to Lion Finance. MyCRA Lawyer’s raised Jeremy’s hardship (made redundant twice) and also raised Jeremy’s claims that he made a $1000 payment prior to the assignment to Lion Finance that was not correctly applied to the debt and that one of Lion Finance’s reps told him that if he entered into a payment plan he would avoid a bad credit history, even though default was already listed. Lion Finance agreed to remove the default if a lump sum payment was made before 25/04/2018.

Summary:
Jeremy submitted an online enquiry to MyCRA Lawyers as he had concerns that there was a default listing on his credit file. Jeremy engaged MyCRA Lawyers to investigate the likelihood of removal of default listing on his credit file. Jeremy only discovered the bad credit default listing when he applied for finance and got declined. MyCRA Lawyers negotiated the successful removal of his bad credit default listing in 65 days. Jeremy* can now confidently apply for finance. Congratulations Jeremy and good luck!

Jeremy’s* name has been changed to protect privacy

Call MyCRA Lawyers today if you’re struggling with your bad credit rating and you need MyCRA Lawyers to help you get it removed fast. Call 1300 667 218

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