Nikki S.
1/5
BEWARE: Should you have the unfortunate experience of dealing with Credit Corp and its lawyers, you need to know that they have complete disregard for the law, court process and their professional and ethical obligations.
I provide my own dealings with Credit Corp and its lawyers as follows:
Credit Corp/solicitor Carlos Toda filed a claim against me in the court regarding an alleged credit card contract. They record their claim is pursuant to a credit contract and record the credit card number. They rely on a contract which they know does not exist and they cannot provide it.
They will disregard their obligations that they must record a legal right to make a claim, in this case the specific terms breached under their alleged contract.
I have repeatedly put the above issues 1 & 2 to Credit Corp and its lawyers Ms Julia Bell and directors of Gadens Lawyers, Mr Carlos Toda and Credit Corp CEO Mr Thomas Beregi. They would consistently ignore my requests for documents, deflect and refer to other matters/documents which do not address the issues I raised with them.
I have repeatedly sought for Credit Corp to produce their alleged contract as recorded in their claim which they must already have verified at the time of recording a contract in their claim. I have also sought for them to provide their legal cause (the specific terms defaulted/breached under their alleged contract) amongst other relevant docs. They have failed their disclosure obligation (QLD) to provide documents within 28 days from the close of pleadings.
Credit Corp & its lawyers will frustrate the process, engage in misleading conduct by dressing up any docs as the credit contract even the docs which do not contain your information. They are so blatant that they will provide you with a generic bank brochure called ‘Terms and conditions’ (T&C) which contain no details of you and they will refer to it a contract. The T&C provides that it is not a contract and states what documents contract must consists of, for example, bank has to issue have a pre-contractual document which must contain all the essential terms of the contract and which will become a contract if you decide to enter into it as per the National Credit Code. Nothing of this is complied with, no credit contract exists, yet Credit Corp continues with their fraudulent claim disregarding every notice to produce a contract they rely upon.
Credit Corp & its lawyers will seek for a settlement conference to be listed by the court, having knowledge of the issues you put to them, failing their disclosure obligations, having no legal cause and where I had raised fraud, misleading and deceptive conduct in my defence.
Ms Julia Bell of Gadens Lawyers had admitted in their letter that Credit Corp and its lawyers Mr Carlos Toda did not have any contract in their possession at the time they drafted and filed their statement of claim at the court. This itself is a serious breach of the professional duties by Certus Partners and Gadens lawyers rendering the said lawyers unfit for practice. Their conduct demonstrates an intent to use the courts to unlawfully obtain a judgment having no legal cause.
When you deal with Credit Corp & its lawyers, you will not get any honesty and they will try to defraud you by any means possible. Their conduct consistently demonstrates contempt for the law, court process and their professional obligations as lawyers (Gadens/Mr Carlos Toda Certus Partners) and as an ASX-listed public company. They have no regard for serious issues raised such as fraud and misleading conduct. They confidently mislead the court and breach their professional and ethical duties. It appears to me that this is standard practice for them. ASIC and authorities should be called to investigate and prosecute Credit Corp and its lawyers for their fraudulent conduct and circumventing credit laws (National Credit Code, ASIC Act, Australian Consumer Law etc).