Services

1. If you have a low credit score, the banks will not give you a loan (for your house or car).
2. 2. The banks will only give a loan to you if they are confident that you will repay it. A low credit score indicates that you are a bad payer of your existing accounts.                                                                                                                                         3. Banks have a minimum credit score cut-off. Banks will not lend to you if you do not meet the minimum credit score. At present, this minimum credit score is 750. HOW CAN WE HELP
3. 1. We will analyse your credit report and financial position and compile a customised set of recommendations that will result in creating your credit score. We will do this over a three (3) month period and issue you with an updated set of recommendations each month. This will result in creating a credit score for you within 1 – 2 months. In addition to the recommendations, you will have unlimited telephonic access to a credit adviser.

Description :

2. It is impossible to open any new account, while under administration.
3. Having any of these “black marks” on your name flags you as a high risk to the banks and credit providers. It destroys your creditworthiness and any chance of securing finance.
4. These “black marks” also work against you, when applying for a new job or a promotion. It suggests that you are irresponsible and cannot manage your finances.
5. If you want to finance an asset or a new job or a promotion, you must have these “black marks” removed.
6. This will then make you eligible for new finance.

WHAT WE DO

1. Rescission of administration order:
a) We will bring a formal application in the Magistrates Court, to have the administration order rescinded;
b) We will prepare all legal documents, file and serve them;
c) We will appear in court on your behalf and argue the merits of your application;
d) We will obtain a court order rescinding the administration order;
e) We will lodge this with all 4 credit bureau and have the administration order removed from your credit record.

LegalPartners works with community organisation to provide pro bono legal services to the poor or those who cannot afford a lawyer. 

“Pro bono publico” is a Latin phrase that’s typically shortened to “pro bono” when it’s used in the legal profession. It means “for the good of the people,” and it refers to legal services performed free of charge or at reduced fees for the public good.

Our consultation for all services rendered is free.

WHEN DO YOU NEED IT

1. If you are listed as being under DEBT REVIEW and want to get out.
2. If you have paid up all the debts included in your debt review.
3. If you have paid up all the debts included in your debt review, except for your home loan and are continuing to make regular monthly payments.
4. If your debt counselor failed to issue a Form 17.2 notice to all your credit providers and credit bureaus.
5. If your debt counselor never approached a court to have your debt review application confirmed and made an order of a court and it was never agreed to by your creditors.
6. If your debt counselor never enrolled your debt review application within 60 days of you applying for debt review.
7. If one or more of your creditors have terminated your debt review application.

WHEN DO YOU NEED IT

1. If you have an outstanding debt on an account and the credit provider or bank has not been in contact with you for more than 3 years, to request payment.
2. If you have not signed any acknowledgment of debt, in respect of the outstanding debt on an account.
3. If the credit provider or bank has not issued summons against you, in respect of the outstanding debt on an account.
4. If the credit provider or bank has not taken a judgment against you, in respect of the outstanding debt on an account.

NOTE: For certain debts the Prescription period is longer than 3 years:
1. Debt secured by a mortgage bond – 30 years;
2. Debt in respect of a court judgment – 30 years;
3. Debt relating to a negotiable instrument (for example, a cheque or promissory note) – 6 years;
4. Debt in respect of tax or levies under any law – 30 years etc.

WHEN DO YOU NEED IT

1. If you have been unfairly blacklisted:
a) your account is not and has never been in arrears;
b) you have made a payment arrangement with the bank or creditor, prior to the blacklisting; or
c) you have not been notified of the blacklisting, 20 days before you were listed;
2. If you have since settled the outstanding debt, related to the blacklisting;
3. If you have been blacklisted for prescribed debt;
4. If you have been blacklisted for accounts opened fraudulently i.e. you are a victim of identity theft and impersonation; or
5. If your accounts are incorrectly reflecting missed or late payments and arrears – when they have been paid and are up to date. LegalParners will assist you.

WHY YOU NEED IT

1. A blacklisting is an automatic reason for any bank to decline your home loan, vehicle finance, credit card or personal loan.
2. In the majority of instances, a blacklisting is also an automatic reason for any credit provider (e.g. clothing & furniture retailers, cell phone companies, mico-lenders etc.) to decline any application for credit.
3. Having any of these “black marks” on your name flags you as a high risk to the banks and credit providers. It destroys your creditworthiness and any chance of securing finance.
4. If you ignore these blacklistings and continue to default on the monthly repayments, your creditors will start legal action against you. This means your account is handed over to attorneys and you will incur their legal costs and interest charges.
5. Ultimately your creditors will obtain a judgment against you, then a writ of execution, resulting in a garnishee on your salary or repossession of your assets.
6. These “black marks” also work against you, when applying for a new job or a promotion. It suggests that you are irresponsible and cannot manage your finances.
7. If you want finance or a new job or a promotion, you must have these black-listings removed.
8. This will improve your credit score and credit worthiness and will result in your finance application being approved.

WHAT WE DO

1. We will challenge the unlawful and illegal black-listings and have the incorrect information updated and the blacklisting removed, from all 4 credit bureaus.
2. We have established authoritative legal grounds to compel the credit bureaus to correct inaccurate information and remove unlawful black-listings.
3. We have priority response and dedicated channels into all major credit bureaus. This guarantees us:
a) the quickest turnaround times;
b) priority escalations; and
c) enhanced monitoring and reporting.
4. In 87% of cases, we are successful at removing these “blacklistings” off your name.