Browse Forums Home Finance Re: Bad Credit Home Loan Advice 2May 26, 2016 4:40 pm Rebecca Jarrett-Dalton Property crazy expert mortgage broker, love building new homes! Two Red Shoes mortgage broker http://www.tworedshoes.com.au/building Re: Bad Credit Home Loan Advice 6Jul 07, 2016 4:52 pm Dee Dee new_senior_citizen would be nice if we could find out how this story finished ... one post since May , looks like a spammer from the other side of the world perhaps. No, not a spammer, and I will be able to "finish this story" on the 11/12 July. Stay tuned. David Fantastic !! Always talk to a few finance brokers, Dee Dee. Lending criteria and loan products available change ALL the time. By talking to a few brokers, you'll get a feel for whos clued into your lending requirements, and whos only interested in a sale. If you are really itching to wipe away the default, there are (crooks) solicitors that'll charge 1K+ to "look" at your case. Basically for anyone to default you, they have to follow a PROCESS by law (eg send a notice to your CORRECT address, notify you in writing that you are in arrears and will be default at a certain date, notify you to contact them and opportunities to avoid default etc etc. If you can PROVE that they did not follow LEGAL PROCEDURE you can goto the Credit Ombudsman (free) and they will argue with the institution that defaulted you directly. ONLY the institution that defaulted you can remove the listing, if they sold the debt to a third party, then seek the original default institution. Start with calling the institution and tell them you are seeking legal council about this unfair default and are requesting ALL paperwork and notices and call records they have in regards to your case. Then with this paperwork, goto your ombudsman and discuss. A solicitor will do this exact process.If you are really cluey and a smooth talker, you can remove the default on the spot while in discussion with the institution. This ONLY removes the default, a debt is a debt and remains outstanding + interest + fees. Good luck! The biggest challenge will be if you take out a loan and then run out of money - you'll have an incomplete security and lenders do not like this so you can get stuck.… 2 18896 Hi, you've probably already resolved this, however, Commbank will probably pay the funds to you after you send evidence the work is done regardless the change in the quotes. 1 35191 You might be able to apply to divert the sewer at your expense. In NSW you would contact a Water services co-ordinator and they would give you advice as to whether or not… 1 16127 |