Hello,

New to the site and hoping to get some guidance and help on a matter I have.

I have had an email from creditcorp regarding a debt I have in Australia and if I do not contact them within 48hours they will make arrangements to source a uk company to recover these debts on their behalf.

They’ve advised the amount of $6000 and from what credit card company they’re recovering for (st George’s bank).

I was paying my credit card whilst in the county but my partner cancelled my defacto visa and I had a very fast exit out of Australia last year.

I believe the debt recovery agents have found that I’m back in the uk after contacting friends in Australia about a ‘business matter’ and innocently my friends have said I’m back in the uk. There has been a total of 3 emails from the same guy working for credit corp, in his second email he confirms he knows I now reside in the uk.

My absolute main concern is that I own a house in the uk and so I am terrified of losing that.

I am willing to repay the debt to avoid losing this but I do not know where to begin,

what to do as so many things I read seem to contradict each other,

from ignoring them to paying it back in full.

Not to mention the amount the debt recovery have added to the amount I actually owed which I think was $3000ish

What rights do they have?

And can they get a uk company to follow this up?

I’m assuming it’s stevendrake they engage (from what I’ve read)

any help or advise will be very much appreciated.

they cant do anything

lots of AUS debt threads here already

block and bounce their emails.

the bottom dollar is its very easy to go BK in AUS simply by using the internet

its detailed here in another thread too

just remember all these DCA's and their fake/tame paperwork only solicitors ARE NOT BAILIFFS

and have

ZERO legal powers.

dx

i had tried reading up on them, there’s so many.

It’s hard to follow as everyone has slightly different situations.

I had read one on here about someone who actually got sent to court as the Aussie company had engaged a uk company.

Sorry but what does BK mean?

Not sure on the abbreviations with being new to this!

BK = bankruptcy

best idea is to stick to CAG

use the search CAG box of the top redtoolbar

something like Aus debt Drake

but just remember you have only received EMAILS

they don't even know if you got them

so think about that...are they trying to fleece me for free here hoping I'll wet myself and think they have some magical legal powers?

wait till they WRITE to you.

delete the emails block their email address and bounce them back as not received/unknown [your] email address very easy to do.

don't get sc@mmed!!

there are one or two court cases knocking around on the net

if they are real is one thing..

they were patsy's paid more to allow it to happen then what was actually being chased most probably

then people read about them and wet themselves when they get a free email chasing them...

I believe also there's one case that's banded around whereby the silly person totally ignored COURT papers from a COURT, not fake ones sent by email from the fleecers

that's another story, ...you don't ignore court paperwork sent from a UK court.

Thanks! Will look into it. How can I remove this thread as it’s showing on google.

ofcourse it will show on google its what search engines are for

nothing we can do about.

removing the thread wont remove it from google or any internet cache or history sites.

True. Probably being paranoid but think the DAC can google search this and I’ve provided info that may incriminate me...

Can I change my username?

yes PM me some alternates and i'll get it done

You posted on a free, public Forum, you might as well have posted on Facebook or similar Social Media platform. There is no where to hide from a determined Searcher on the Internet.

If you do not want to reveal info - don't paste it in the first place

they cant do anything

lots of AUS debt threads here already

 

block and bounce their emails.

 

the bottom dollar is its very easy to go BK in AUS simply by using the internet

its detailed here in another thread too

 

just remember all these DCA's and their fake/tame paperwork only solicitors ARE NOT BAILIFFS

and have

ZERO legal powers.

 

dx

He he says he can pay it.

When end will you be stopped from advising people to avoid paying their debts, or is this now the official line of CAG? It is certainly not what CAG was set up for.

So so the official line is “Only pay what you owe if there is legal recourse”?

Urh??

Who says he owes it some fleecing dca from aus?

With no legal jurisdiction in this country?

Bit like our dca's in the uk then??

Our dca's are powerless and are not bailiffs

So one from aus is even less so!!

Always up to debt owner/creditor to follow the correct legal process and not just harass people.

There is nothing stopping a debt owner/creditor from outside the UK, issuing a UK court claim, providing they follow the correct process.

Foreign debts have been enforced in UK courts for a very long time. There is a case precedent going back to about 1971 that is still used by foreign creditors. As long as the debtor is resident in the UK, they can ask a UK court to look at their claim.

The issue is DCA's trying to use debtors ignorance about debts, in gaining payment by harassment.

Urh??

 

Who says he owes it some fleecing dca from aus?

With no legal jurisdiction in this country?

 

Bit like our dca's in the uk then??

 

Our dca's are powerless and are not bailiffs

So one from aus is even less so!!

He says he owes it. PAY what you owe.

So what’s the advise now “..only pay it if they can find you and pin you down”?

You will be telling him to blindly try a chargeback next ! ( you know, just in case he maid a payment by visa debit)

So so what is the official CAG stance on paying debts then...come on DX, I would love to hear it

And in the meantime you advise not to contact them and ignore emails? Great stuff.

Emails should always be ignored and bounced back

The only letters you do not ignore are:

A letter of claim from a solicitor representing their clients, the owner of a debt

Or

A statutory demand the same above

Or

A county court claimform

Dx

Remember this is a thread is about foreign debt

And the official position of CAG?

as from day one, its never changed, if a DCA/debt buyer owns the debt you always challenge it, never been any different.

if the debt is still owned by a UK bank, and is pre the apr 2007 CCA changes whereby a reconstructed CCA could be deemed enforceable - again you always challenge it.

but as already pointed out this is a foreign overseas debt.

which the above has no relation too.

throw the 'morality' card out the window as they always do.