Negative Listing Investigation

The following services are available through the Negative Listing Investigation:

Debt Review Cancellation

With this package we go through a process to remove you from Debt Review and renegotiate for affordable distribution with your creditors. Once short term debt is paid up and long term debt is up to date (bond/property) and we can prove that you are in a better financial position we can update your credit record with all 4 credit bureaus and ensure that your credit profile is no longer flagged.

Adverse/ Default removal

If and when an Adverse listing is PAID UP, Finwell Legal Services will start the process of removing the Adverse listing on your credit profile.

Judgement removal

This is for PAID UP Judgments to be removed from the 4 credit bureaus. Finwell Legal Services will assist the consumer to obtain the paid-up letter; if NOT available.

Prescription/In-duplum

In the case of prescription:

• Last payment date is 3 years and over!.
• No communication with creditors in the last 3 years.
• No acknowledgement of debt in the last 3 years.
• No judgment granted on the account.
• We investigate the remove the client’s accounts once confirmed prescribed.

In the case of the induplum rule being exceeded

• The client has been overcharged on arrears interest.