Veda Advantage Credit Reporting Agency
Complaint 165322 Details

Concurrent for years now 2010 - 2012

Veda Advantage, has been found in breach of 2 codes related to listings by the financial industry ombudsman. In literal aspect Veda Advantage had no legal rights to be involved in my life in the context they were in.

Due to a loan being denied 2yrs ago, damages to my home and property have been substantual. Other damages to my health conclusive to depression, anxiety, duress, insomnia and also subjected to events that coincide my mothers passing.

Veda Advantage for the last 2yrs have declared information to the financial industry ombudsman legal statements that were not only untruthful of any aspect of any fact, they had no evidence or proof to support their legal statements. After 2yrs there is evidence supporting that their legal statement is totally untruthful in any shape or form.
Another listing to where a written law applies that prevents any classifications to any default listings cannot be made, but the company manages to ignore this and just file a listing regardless, veda advantage accepts it even though this law is written and published, furthering this during the financial ombudsman investigation, veda advantage refuses to take the listing down even though the actual written published law is not only relative to the company who files the listing but for veda advantage having a legal requirement to refuse the listing.

So in respect, veda advantage makes legal statements without any proof or evidence to where i have factual proof that determines their legal statements to be untruthful but also they are willing to ignore rules and regulations and laws in accepting listings that has no legal rights being made - on both accounts.

Furthering this is a newer legal declaration that veda advantage has made in the final determination by the financial ombudsman office is that of one of speculation. After they have willfully declared they wouldnt take down 1 of the listings that was governed by a rule and regulation not beilg legal to list, they veda advantage now speculate they would have taken it down 2wks after it was forced. In simple terms speculation applied to already making legal declarations that are proven to be untruthful.

The determination, even though concludes on my side as veda advantage being in breach is in at the same time with every essence of the word being protected for the liabilities that veda advantage has caused onto my life both in financial losses, losses of potential income and health issues depricative to their abusive construct within my life.

The sum of 1000 dollars has been declared by the financial ombudsman office in which i have to accept due to duress as which follows
- the damages to my house exceeds massively the compensation declared, to where for around 2yrs i have been living without even a kitchen and kitchen sink. Due to the loan being refused, the relevalling of the house has sunk, literally caused ceilings to practically fall down, cracks in walls, cornices and skurting boards, the damages and cost of temporary fixes exceeds thousands of dollars to todays date, the amounts of the relevalling in increased approx about double in costs. One of the aspects of the relevally of the house would have contributed in finding a leakage under the house from grey water due to ground being damp, due to time frame of yrs now the damages of this water is immense. The temporary fixes and paying for i had no choice in the matter.
- part of the loan was for solar panels, so not only possible income but also reduction to ellimination of a full power bill would have occured. Due to the loan being refused this never happened
- also ability to rent out rooms void, i have tried to find someone for the last 12mths or more for free accomodation as in no rent so long they pay their own expenses and assist occasionally in doing stuff to help, everyone who has applied for this accomodation after seeing the place due to no kitchen and so on wouldnt even take it up, no rent - however if the stuff i originally planned to begin with was done then i would have been sucessful in charging approx 80 dollars rent per room for the premises alongside they pay their own expenses. Thanks to truenergy this is void
- there is also another factor of myself selling my home thats void because of truenergy - with the repairs and solar panels in place the potential income i could have made from selling would have been approx 30 to 50k profit estimated - however if i did choose to rent the whole house instead would have been a regular income.

The damages to my health
- i have already been diagnosed with clinical evidence in association to having disabilities
- due to reliving my mothers passing and so on, the depression actually was interfearing with my abilities to function. One of these moments led to a 20k car being destroyed, Holden Commodore VT Berlina *market value i dont know i paid originally 20+k for* cause the stuff in my mind couldnt be switched off that led to a simple function of remembering to place on a radiator cap and that led to the motor burning out - this disability has been diagnosed by professionals and documented. Insomnia also a contributing factor.

Veda Advantage had no legal rights to being in my life in the context they were involved in my life in, they not only aided a firm to disobey laws that are written and publised but also denied taking them off, they also declared information in legal response in statements that after 2yrs be defined as being untruthul, these statements had no evidentual proof or factual truths - really their statement declared me not doing an act that in truth i did do an act, i dont know but their legal statement is that of one to that of fraud, they declared untruthful, without any facts or truth in declaring an act on a person.

Fos allows veda advantage to make these statements, they also allow published content of veda speculations and even allowed veda the right to refuse to take of listing. Fos even allows veda to make statements in legal response to where they have no factual evidence or proof in the declaration of an act onto another person depriving the person of the actual substantual events that transpired - wtf is that???

i have all documentation in pdf form - i would also like to point out i do fall under disability acts and where were these acts in any substance by all parties involved?