Case Study

This client had been misled by a telecommunications company that resulted in a $38,000.00 default.

The Background

The client had visited a telecommunications outlet to purchase a new mobile phone. As our client was a tow truck driver he was particularly interested in a phone that offered a GPS function. He was shown a phone that had the functions he required and signed the necessary paperwork. Given his industry, he was using the GPS extensively each day with no idea he was being charged for usage. You can imagine his surprise when his first bill showed an amount of $38,000.00 owing. Our client was unable to pay this amount which resulted in a default & Judgment being listed.

The Solution

After hearing the client’s story we were happy to help. Upon investigation it was discovered that the contract did not disclose the details of the additional costs adequately and the person that sold the phone did not mention these costs to our client. We were able to successfully negotiate the outstanding amount and arranged to have the default removed from our clients credit file.

We Fix Credit were given air time on the television show, A Current Affair, regarding this story. 

This client was refused a home loan refinance due to a default to a credit card company.

The Background

Due to medical issues as a result of child birth this client was not able to return to work for an extended period of time. Attempting to do the right thing she contacted the credit card company to let them know about her current position and to arrange a payment plan but unfortunately she ended up talking with an overseas call centre that turned out to be less than helpful. As things improved financially she paid the account in full however was very disappointed to learn that they had still listed a default on her credit report. She was advised by the credit card company that the default listing would be updated to show the account as paid. It was only when she applied for a home loan two years later that she learned that this had not been done and the very presence of the default was sufficient for her loan application to be rejected.

The Solution

After contacting We Fix Credit it was determined that the client had a contestable case. Extensive talks with the credit card company resulted in having the default listing removed permanently from the applicants credit file. We are happy to say that directly following the removal of the default the client reapplied for her home loan and was approved.

This client was refused finance due to a court action listed on his credit file relating to unpaid council rates.

The Background

This client was a busy property developer and the non-payment of council rates was an oversight due to his very busy work load. The client did receive a summons with regard to the unpaid rates and upon receipt immediately paid the outstanding amount. The client freely admits that he was liable for the debt and even though being busy at work is no excuse for non-payment he admits the matter just slipped his mind. In today’s busy world I am sure we can all relate to this.

As a property developer the ability to secure finance is an imperative requirement for the sustainability of his business and the listed court action on his credit file, even though it was listed as paid was proving to be a real problem when trying to secure finance.

The Solution

The team at We Fix Credit were able to have Court judgment completely removed from the client’s credit file in just two weeks. Since this removal the client has been able to secure funding and move forward with his business.

This client had exchanged contracts to purchase a property and had been declined on his home loan application due to a Court Action being listed on his credit file. This was of particular importance as unless this issue could be resolved he stood to lose the substantial deposit he had paid to purchase the property.

The Background

This client was a taxi driver and unfortunately was involved in an accident where he was the driver. As a result of this accident legal action commenced and the taxi management company was sued, the matter was then handled by the insurance company. It was proven that our client was not liable for the accident however a court action was listed on our client’s credit file. As a result obtaining finance was proving impossible. Not only was the home loan declined but various credit card applications were also refused.

The Solution

Upon contacting We Fix Credit we immediately put the wheels into motion to rectify this situation.  Due to certain issues with the legal action we were not able to follow our preferred method to have this nature of listing rectified however due to our extensive knowledge in this area we were successful in having the Court Action permanently removed from our client’s credit file. The client was then able to secure finance for the purchase and is happily living in his new home.

This client had been refused finance due to a commercial default that had been listed against her.

The Background

Upon investigation it became clear that our client had been the victim of identity theft as she had never opened or authorized the account in question. This situation was further complicated by the fact the company secretary had been paying funds towards this account not knowing the account itself was fraudulent (the company secretary had been instructed to pay the accounts as they became due). The issue was not picked up until our client was reviewing the accounts and noted the payments were for petrol cards as opposed to toll passes. Upon becoming aware of this she contacted the police immediately and reported the issue. Naturally until this situation could be rectified payments to the company were stopped, as a result the company listed a default on our client’s credit report.

The Solution

This matter was quite complex and took some time to investigate however after much effort we were able to resolve the issue and had the default removed from our client’s credit report. Our client was then able to secure finance and has been able to put this unfortunate experience behind her.