FAQ’s 2017-09-05T05:23:59+00:00
What is ‘subordinate legislation’ 2015-08-24T14:04:25+00:00

Subordinate legislation (sometimes called ‘delegated’ legislation) is a category of statutory instrument made by an entity acting under the authority of an Act.

Subordinate legislation includes:

  • regulations (the majority of instruments of subordinate legislation are regulations)
  • proclamations (these instruments are mainly used to fix the commencement of provisions of an Act)
  • rules (the most common examples are the rules of court)
  • standards
  • notices
  • orders
  • by-laws.

With the exception of a special category of subordinate legislation (called exempt subordinate legislation)

What is an ‘Act’ 2017-09-05T05:25:47+00:00

A Bill that has been passed by the Legislative Assembly and presented to the Governor for royal assent becomes an Act on receiving that assent.

At that point, the Act becomes a law of the State but whether or not its provisions start to operate depends on whether they have ‘commenced’.

Acts are sometimes called primary or principal legislation.

Each Act of the Queensland Parliament can be uniquely identified by its short title and number

What is the Record of Proceedings 2017-09-05T05:25:48+00:00

The Record of Proceedings—commonly referred to as Hansard—is the official record of the Legislative Assembly. Among other things, it includes details of the:

  • sponsoring Minister’s or member’s explanatory speech when introducing a Bill
  • debate about a Bill
  • stage of progression a Bill has reached in the Legislative Assembly
  • text of all amendments to a Bill and whether they were agreed to
  • date of assent of a Bill.

Hansard is published daily on Parliament’s website www.parliament.qld.gov.au when Parliament is sitting

What are ‘Bills’ 2015-08-24T13:59:46+00:00

Bills are proposed laws introduced into the Legislative Assembly. If agreed to by the Parliament, they become Acts. In Queensland all Government Bills are drafted by the Office of the Queensland Parliamentary Counsel (OQPC) on receipt of a specific Cabinet authority which justifies the need for legislation. This is an important step in the process as not everything the Government seeks to achieve needs to be implemented by legislation.

Most Bills are Government Bills and are introduced into Parliament by the Minister whose responsibilities cover the Bill’s subject matter. However, OQPC also drafts Bills for private members at their request. These are called private members’ Bills.

Legislation in Queensland 2015-12-31T01:48:15+00:00

Laws are the formal rules that regulate our behaviour. The law in Queensland is made by or under the authority of our Parliament or the Parliament of the Commonwealth (statute law) and by the courts (common law).

Queensland’s principal law-making body is the Parliament of Queensland. The Parliament comprises the Queen (whose representative in Queensland is the Governor) and the Legislative Assembly which consists of our elected Members of the Parliament.

Unlike other Australian States, Queensland has a unicameral (or single chamber) Parliament. Other States have both a Lower House and an Upper House. Queensland’s Upper House, called the Legislative Council, and was abolished in 1922.

The Members of the Legislative Assembly propose laws (in the form of a Bill for an Act) for consideration by the Parliament. If agreed to, those Bills become Acts and form part of Queensland’s law. The Parliament also delegates aspects of its law-making function to other entities, particularly the Governor in Council. Laws made under this delegated power are called statutory instruments. The form of statutory instrument most widely recognised is the regulation, but there are many other forms of statutory instruments.

More information on this topic and links to current legislation can be found online at https://www.legislation.qld.gov.au/Leg_Info/flp.htm

Lawyer 2015-08-24T13:49:20+00:00

A Counsel, Barrister or Solicitor

Nexus 2015-08-24T13:49:15+00:00

The connection

Nolle Prosequi 2015-08-24T13:49:06+00:00

Latin for “we shall no longer prosecute

Power of Attorney 2017-09-05T05:25:48+00:00

A deed by which one person appoints another to act for him or her for certain purposes

Prima facie 2015-08-24T13:46:37+00:00

At first sight; on the face of it

Proxy 2017-09-05T05:25:48+00:00

A document by which one person is authorized to vote for another

Sheriff 2015-08-24T13:46:26+00:00

An officer of the Supreme Court who performs functions similar to a bailiff

Statutory Declaration 2017-09-05T05:25:48+00:00

A written statement made about facts which a person conscientiously believes to be true

Subpoena 2015-08-24T13:46:20+00:00

A writ requiring someone to appear in court to give testimony, or to present documents to court

Summons 2015-08-24T13:46:12+00:00

A citation to appear in court

Surety 2017-09-05T05:25:48+00:00

A person who stands guarantor for a defendant

Testimony 2015-08-24T13:45:40+00:00

Evidence given orally by a witness in court

Warrant 2015-08-24T13:40:04+00:00

A written authority to do an act such as to carry out a search or to make an arrest

No True Bill 2015-08-24T13:33:33+00:00

Withdrawal by the prosecution in a District or Supreme court (before an indictment has been lodged)

Ipso facto 2015-08-24T13:30:46+00:00

By the very fact itself

Inter alia 2015-08-24T13:30:09+00:00

Among other things

Indictment 2017-09-05T05:25:48+00:00

A formal written accusation charging a person with one or more offences

Indemnify 2015-08-24T13:28:38+00:00

To make good another’s loss

Guilty 2017-09-05T05:25:48+00:00

The confession of a person or the finding of the jury after trial that the person committed the crime with which they are charged

Deed 2015-08-24T13:26:24+00:00

A formal document signed, sealed and witnessed

Complaint and Summons 2015-08-24T13:25:31+00:00

A document served on a defendant containing written details of an alleged criminal offence in order to initiate a case in a magistrates court

Certificate of Title 2015-08-24T13:24:51+00:00

A document that shows legal ownership of a piece of land

Bench Warrant 2015-08-24T13:24:13+00:00

A warrant issued by a court when a party to a case has not appeared, requiring that party to appear

Bail 2015-08-24T13:23:26+00:00

Permission given for a defendant to remain at liberty pending an appearance in court (conditions may be set, including the deposit of a security or a requirement to report to police at specified intervals)

Affirmation 2015-08-24T13:22:41+00:00

Solemn confirmation or assertion to the truth

Affidavit 2015-08-24T13:22:02+00:00

Latin for “he has declared upon oath”. A written statement signed and sworn on oath, or affirmed as being true

What Is The Difference Between A Default And An Overdue Account On Your Credit Rating? 2017-04-29T13:06:14+00:00

About the only real difference is the name.

On an Equifax (Formerly Veda Advantage) credit file ordered directly by a consumer, you might see the heading “Overdue Account(s)” but the same listing from a business subscriber, you might see it called a “Default”.

Otherwise, you could say it is an overdue account for at least 60 days before it can be listed as a default.

What Is A ClearOut? 2015-05-19T22:33:16+00:00

A Clear Out is also known as a Serious Credit Infringement and will remain on your credit rating for 7 years.

See Serious Credit Infringement for further details.

What Is A Judgment? 2017-09-05T05:25:48+00:00

A Judgment relates to court proceedings filed against you and the subsequent order made by a court that you owe a debt.

The order becomes public record and the credit reporting bureaus upload the data directly from the courts onto their credit reporting  databases.

You may also have other public record listings on your credit files including court actions and court writs.

Judgments and court actions stay listed on your report for 5 years while court writs are listed for 4 years.

What Is A Default? 2015-05-19T22:25:05+00:00

A default may be listed on your credit file when you fail to meet your repayment obligations under your credit contract.

A default will stay on your credit file for up to 5 years, but if you have a serious credit infringement, this may stay listed for up to 7 years.

Is There Anything MyCRA Lawyers Will NOT Work On? 2015-05-19T22:24:09+00:00

At the time of writing, MyCRA Lawyers work on removing any bad credit listing or enquiry other than

  • Bankruptcy,
  • Part IX,
  • Part X, or
  • Section 73 of the Bankruptcy Act or
  • judgments listed by the Australian Taxation Office.

If you need assistance with having a bankruptcy annulled or other help with your small business, we will happily refer you on to another Law Firm that can help you.  Please call 1300-667-218 for more details.

What Is A Credit File? 2017-09-05T05:25:48+00:00

Credit files (also known as credit ratings or credit reports) are created for every person18 years and over who has been credit active, or that has now or has had, an open credit account or loan.

Your credit report can indicate the potential success or failure of future loan, credit card and mortgage applications.

Basically a credit file or credit rating records information for the past 5 – 7 years such as repayment history, the size of debt and the forms of credit applied for.

From a consumer perspective, your credit report is possibly the most important part of your financial life when it comes to getting approved for loans or almost any other form of credit.

Your credit file is the single most important part of your mortgage application, as it is used to provide evidence of your credit history and how you manage your debt and repayments.

If you have Bad Credit on your credit rating, and if you were lucky enough to find a home loan lender to help you, you could pay as much as $17,000 in extra interest Every Year because of the bad credit.

When MyCRA Lawyers fixes your credit, you might save $17,000 or more a year in interest charges.  Call MyCRA Lawyers Today!

How Long Will It Take To Fix My Credit Rating? 2015-05-19T22:15:36+00:00

We aim to remove your default or bad credit listing in 30 days or less –  and with that said, while some files may take longer, our fastest ever removal was completed in only 18 minutes.

We work to remove every default in the shortest possible time.

Every file and situation is as unique as you are and we’ll do everything we can to help you as quickly as possible.

What Exactly Can MyCRA Lawyers Do For Me? 2017-09-05T05:25:48+00:00

If you have bad credit, history says Mycra Lawyers can fix it for you in up-to 9 out of 10 cases

MyCRA Lawyers cleans your credit files or credit rating to remove any unjust or unlawful black marks or blemishes.

There are approximately 3 million people just like you with mistakes on their Australian credit reports. We help our clients by removing the contestable bad credit listings from their credit ratings.

We do this by conducting a high level investigation and audit of your creditors files to identify legislative and or compliance breaches that may deem your bad credit listing unlawful.

Will Paying The Default Amount Remove The Black Mark From My Credit Rating? 2015-05-19T22:07:35+00:00

No, paying the debt will not remove the bad credit listing from your credit file.

Your listing will ONLY be updated to “Paid” to show that you paid the overdue amount.

If you have a Serious Credit Infringement (7 years), this listing will be downgraded to a default when paid.

This then reduces the time listed to just 5 years from the original date the listing was reported.

Your Bad Credit Default Listing can ONLY be removed when MyCRA Lawyers audits your creditor and proves they did NOT afford you your consumer rights – making the default listing UNLAWFUL(Historically, MyCRA Lawyers have removed up-to 91.7% [more than 9 in 10] defaults we’ve worked on)

Where Do I Start? 2017-04-29T13:07:56+00:00

Here’s Three Simple Steps To Get Started With MyCRA Lawyers To A Clean Credit Rating:

Step 1.
Firstly we need a copy of your Equifax (Formerly Veda Advantage)Veda Advantage and Dun and Bradstreet credit reports (We can get them for you), so we can see exactly how many Bad Credit listings you may have and who listed them.

You can either get copies of these yourself through the Credit Reporting Bureaus or call 1300-667-218 and we can arrange a copy for you.

 

Step 2.
Tell us everything you can remember about the listing and the events that led up to the Bad Credit listing. (It’s okay if you can’t remember much – the more you tell us the faster the process can be.)

Look around and send through any and all documents you might still have, including emails, statements, and letters from this creditor.

 

Step 3.
We’ll send you a few forms so we can take over the whole process (and all the stress) to make it very easy for you.

From there, the negotiations and investigations begin and we work on your behalf to remove the black marks from your credit files as quickly as possible.

Will Paying The Court Judgment Remove The Black Mark From My Credit Rating? 2015-05-19T21:46:54+00:00

No, paying the Judgment will not remove the bad Credit listing from your credit file.

Your listing will ONLY be updated to “Paid” to show that you paid the overdue amount, and ONLY if your creditor advises the credit reporting bureau.

How Much Does It Cost? 2017-09-05T05:25:48+00:00

Our clients prefer to know exactly what they need to invest before they get started.

So we created a very simple Fixed fee Guarantee.

You pay one low fee into the safety of our legal trust Account and that’s all you’ll pay to have MyCRA Lawyers use all of our legal power and might to investigate, audit and uncover and legislative and compliance breaches that’ll deem your bad credit listing unlawful and require immediate removal.

About a third (1/3) of our clients have received news of their successful bad credit default removal resolution in seven (7) days or less… Imagine receiving that amazing news in 7 days too…

Home loan buyers will save up-to $17,000 in home loan interest once they’ve had their credit ratings repaired By MyCRA Lawyers.

[Dr Kamal Zgheib had 2 x Black marks on his credit rating and both were removed by MyCRA Lawyers in less than a month.

Listen to the telephone call between Graham Doessel (MyCRA Lawyers Chief Executive Officer) and Dr Zgheib where he explains how the “unjustified” listings were removed and the difference it is making to his life already.]

Here’s the transcription for you to read along…

Hello Kamal speaking
good afternoon Kamal, Graham Doessel from MyCRA Lawyers in Brisbane, how you going?
I’m good, good thank you. How are you?
Good, Do you have a couple seconds?
Yes, I do actually have a patient in my room, I’m just printing something for him, just one moment.
Ok thanks
Ok, so ah, yeah, is there anything that I can do for you at the moment?
Absolutely, absolutely. It’s um – are you talking to me or the patient?
ahh you haha
hahaha. Yeah, I just noticed the email that you sent through to lauren this morning
Yes
Thank you so very very much for your kind words that’s amazing
Thank you i really appreciate it
I was wondering if I used that in my marketing?
of cause
do you mind if i leave your name in there?
Yes 100%, but if you want me to send you the same email to you sir i have no problem with that
no that’s fine I’m happy to use the one I’ve got here that’s fine. Thank you so very very much and look if we can be of any help with anything at any stage in the future…?
Thank you so much I will tell all my doctors friends, family and I will recommend them to you, because for me –
it’s so easy to get bad credit isn’t it? (Yeah) It’s so easy to get bad credit and so hard to get rid of.
that’s right it was for me impossible to get any loan, without your help, cause you know I had two default unjustified and um I dunno if Lauren knew about it, I contacted Veda and the default has been removed completely, probably she doesn’t know yet haha, but i wanted to let her know, and my Veda score is the highest in Australia, its 911.
That’s fantastic
So yeah
So it’s just that default that was making it hard yeah?
Yes, my Veda score was 452 (yep) 20% bottom, you know, bottom, I mean sub zero, and now it’s 911, (yep) it’s the highest in the country. It’s in the 81 – 100%, so it’s the – it’s an excellent score – Excellent.
That’s amazing
So you’ve got below average, you’ve got average; you’ve got good, very good, and excellent. For mine its excellent thanks to you.
I’m very very glad to hear that very glad to hear that. (Thank you) So the only thing that I’ll block out of this thing is your personal email address
Beautiful
Fantastic
I’m more than happy for you to do that, yeah. And if you would like me to do some testimonial on YouTube for example, I’ll get my partner, she’s in IT and ah she knows, well a lot about computers, I’m more than happy to organise a YouTube testimonial regarding umm you know… regarding the ahhh…. you know our chat and explaining what your firm has done to me.
G- well that’s – that’s absolutely wonderful yeah absolutely
And Lauren Andrew ahhh Phillip Anthony, Cory – they are all amazing, you know? I can’t tell you how beautiful the service was, it’s amazing, its changed my life. It’s changed my life and it’s saved me thousands of dollars because you know the bank wanted to give me 10% because of my credit file. My excellent – my credit history now, it’s back on track
fantastic, congratulations Kamal that’s amazing
thank you so much sir, thank you so much. Thank you.
do you mind if I pull this phone call from our server and I’ll just use your kind words in an audio testimonial as well is that ok?
100%
ahh thank you so much
Thank you
Thank you Kamal, I really really appreciate it.
Thank you so much bye bye
Bye bye

Why Can’t You Quote A Fixed Fee? 2017-09-05T05:25:48+00:00

In fact, we do quote a fixed fee.  

To ensure you personally save as much money as possible, everything that is normally required to repair your credit is included in our fixed fee guarantee option when you choose MyCRA Lawyers for credit repair.

Please see Get Started Now for details and savings

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