Case Studies
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!
Case Studies
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!
Case Studies
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!
Case Studies
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!
Case Studies
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
View All