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Moon phases


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Post by Papuadij Mon Jan 27, 2020 11:38 am

From Australia I had a debt with St George bank for 20,000 and I did the 3 letter process where my debt was then passed onto lion finance in 2016 since then they have called and called even my family I have said I have nothing to do with them. Now I am wondering if there is anyway to fix my credit report it says I have 1 default with lion finance for 27,000 and 1 enquiry with st George bank for 20,000 from 2015

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Post by daveiron Mon Jan 27, 2020 12:07 pm

Hi & welcome

You will need to check things out for Aus ,but here in UK we can stop their
phone calls my informing them that they do not have our consent to phone
us & all contacts must be by mail only.That stops them.
Another thing to check out is limitation periods for debt . In the UK we have
the Limitations act. Aus should have something similar.
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Post by Papuadij Mon Jan 27, 2020 12:25 pm

Yeh they haven’t called in at least a year but am I ever going to be able clear my credit rating so I can get a home loan Or is that out of the question. I kind of think now if I could go back I won’t have done it I really just wanted to fight the big banks n prove it’s a scam but now I just feel like I’ve ruined my chances at being a home owner

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Post by flyingfish Mon Jan 27, 2020 12:50 pm

A quick google around suggests a six year limitation period of the matter hasn't gone to court.  See here (written for benefit of creditors) https://www.networkdebtrecovery.com.au/how-long-before-debt-written-off-australia/
And here written to advise consumers https://consumeraction.org.au/debt-collection-old-debts/

When it falls off your credit record seems a bit more obscure. Some sources say 5 years, some 7 so it may depend on the detail.  Equally some say that 5 or 7 year period runs from the date of the default, some say it runs from the date the default is registered with the credit agency.

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