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THERE ARE ALWAYS CREDIT CODE BREACHES ON YOUR LOAN CONTRACTS… YOU JUST NEED TO KNOW WHERE TO LOOK

We can use credit code compliance breaches in your loan contracts to negotiate reduced interest rates, terms and even the debt itself.
This approach works for credit cards, personal loans, mortgages, property investment, vehicle loans, and any debt over $10,000 – if it’s less we can help you there too!

But first, let’s deal with the elephant in the room.

Few consider this, but your debt and your feelings around your debt stir deep within you. We’ve seen this over and over again. Thoughts start running through your head such as; 

  • “If you’re in debt you should be ashamed of yourself”.
  • “Can’t pay your bills as everybody else does? Is there something wrong with me?”
  • “You promised to pay, and you’re breaking your word.”

What a load of rubbish.

You’re feeling like this because of how your family, social circle and society as a whole view debt. In a word. Bad.

Credit providers and debt collectors will manipulate these feelings to get the result they want at the expense of your sanity.

Every communication is designed to make you feel a certain way and compel you to make a payment. Triggering shame to the point where you put yourself and your family in financial risk or hardship to meet a payment schedule regardless of whether you can afford to pay it or not.

Worse still perhaps you’ve become completely overwhelmed, and you end up doing nothing about it and find yourself deeper in the hole to the point where you feel so helpless you don’t do anything about it. Sadly this is more common than we’d like.

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Let’s go back to when you got that credit card, personal loan, mortgage or business finance. You went into it with the best intentions. You planned to make payments and use that money to buy a home or some other purpose in your personal or business life.

Your credit providers certainly expect you to meet your obligations. In turn, you believe that your credit provider will do the same thing in meeting their requirements towards your financial safety, and affordability to repay the loan and following all relevant consumer credit codes.

As the adverts all say, “we are in this together.”

You are definitely in it together. You in the quicksand, and them standing over you with a safety harness on wondering whether they should throw the rope and pull you out.

Most of the time, that rope is around your neck.

It does not mean credit providers are evil or trying to take advantage, credit codes and compliance with them is incredibly complicated and expensive to follow. We’ve reviewed thousands of applications, and every one of them has breached between 5-30 compliance regulations with your credit file.

Our software checks over one hundred and eighty compliance items from multiple compliance codes, and in over several thousand of these and have not found one single compliant line of credit. It sounds incredible that credit providers would be so non-compliant – but they are.

But what does that mean for your debt?

They should not have given you the money in the first place.

We know what you’re thinking, “I needed it at the time and I was glad to get it” – but of course, now you are not so glad. So under the credit codes, they should not have provided credit, sometimes for multiple reasons.

Now the responsibility is on the provider to make it right or fall on the sword of credit compliance. This costs time, money and potentially reputation. They are motivated to make this go away, and you with it. It’s at this point we can generally get a good portion of your debt cleared and a low-monthly 0% interest repayment.

What about my credit score? 

Your credit score is unharmed. Remember, you’ve not done anything to ruin your credit score the act of being in good credit and your credit provider being compliant are two very different things. All you are doing is engaging a team to review your loans compliance in line with the various credit codes on your behalf.

This is the law they are obliged to comply with, but few hold them to account without any direct contact with them yourself. Once you agree, you give us the authority to act on your behalf and you never hear from them again.

No payments, letters or phone calls, we take over everything.

And if anything, as you are not in debt your credit score has the potential to improve! 

It was the worst of times, it was the best of times.

We are in the most difficult financial times we’ve seen globally since 1929. While horrible for everyone, it does provide one distinct advantage for those of us in debt.

Question; when is the best time to negotiate your way out of a substantial debt position? Answer; when banks are inviting you to call and ask them to suspend your loan payments.

Imagine dealing with the vast volume of loans under management and giving them a “debt holiday” status and access to limited staff. Compliance breach arguments are being processed in half the time.

Compliance breaches are just too hard to argue based on lenders current level of resource.

NOW IS THE TIME TO ACT IF YOU’RE IN EXCESS OF $10,000 DEBT CONTACT US SO WE CAN HELP RESET YOUR FINANCES!