Not talking tonight? Afraid that doesn't fill me with confidence...

Hi See Vee, have we misjudged you?

See Vee....Laughing, laughing, laughing.... how silly do you think we are????

WA Newman, bloody good luck mate... PM us... maybe we can help?

Roary 61, Have you PMed Bodgit? Quite important... help may be closer than you think...

Bartasip I'm sorry, can't help with plan X. It was never our intention to make a plan and in fact were happily paying back debt from UK while in OZ (even after we realised they couldn't legally chase us for it), we had been here a year before running into financial trouble. Then all sorts of things happened that were largely out of our control... it was in desperation that I found this forum to get me out of the holes a nasty DCA had me trapped in.

I should also reiterate Bodgits sentiments, I was telephoning each and every month (for two years) making payments that often left us eating bread and soup for dinner (literally), and every call I was threatened and pressured into paying more. At the same time UK DCA telephoned my house @ UK times... 3 am etc. Even spoke to my kids on one occaision... told them Mum and Dad needed to call 'really big problem'. They did'nt care that we are low single income family with four children under 9. I suffered clinical depression, as a direct result of their threatening and harrassment. Any moral obligations I had -have totally evaporated.

3Tea, A uk debt is exactly as you say, that. It cannot be converted to Oz and I would be pretty sure NZ too. The section 8 you refer to is just extra ammunition to fire at the DCA making threats, VEDA appears to list whatever anyone tells them... legal or not! Check your file, but read back through these threads and start with the CCA process... unless you are happy to ignore them, they will probably give up anyway. I had a string of all sorts of legal action threatened and none came to fruition. They most trouble I have had has been done with no notice to me at all.... ah the professionalism of PIE and BEER Credit WA!!

Whose not singing anymore???

sending smiles... first in our house for long time... to bodgit:D

:) Things are looking very tragic for Pioneer WA, all support needed, if you have any trouble with them, on any level re: UK debt, PM Bodgit, or me first if you feeling nervous! Happy to help with what I know... which isn't much by comparison... GO PFF!

My gut feeling is you are as safe as houses... well, safer! Read the threads and stickys here and start with a DO NOT ACKNOWLEDGE THIS DEBT letter... see templates, and request CCA.... they will harrass because scaring people makes them pay... be brave, say nothing over the phone and keep reading this site( and donating if you can) for the massive support they are...

Just thought I should call for anyone who is also suffering at the hands of Pie and Beer DCA in Australia, legal fight against them is moving and all hands on deck... so to speak! Watch this space! Bodgit very very busy... and also (BTW) my hero!

Definitely check your VEDA file... they are posting illegal credit reports left right and centre!!

Bodgit knows his stuff... read back thru the thread! Wondering if you are dealing with the infamous PIE and Beer Credit... we actually have a group against them the P Freeedom Fighters!! The more complaints the better!! Hold out and chin up!

Go PFF... eagerly awaiting my apology from them... still nervous tho...

Hoping the reason I havent heard from anyone is because you all had a great worry free weekend! Thanks Ozzyboy for your reassurances... nearly had a worry free weekend myself!

followed your advice only to find DCA in question have listed the default on VEDA... holy c**p! now what? Seems strange that they were able to do so only a week after application for new credit online? could they have accessed VEDA to find out about us!!!??? Is that legal!!???

Hi Bodgit.... think I am dealing with the same lovely DCA here in Australia that you are... am standing ground but feeling nervous at same time!

t thank you both... will send "this debt in dispute ' letter.... remind them of their rights and responsibilities and wait and see....

two separate tactics...1. threaten children on sat morning while mummmy in shower....2. phone every night between 12 and 3 am!! Unplugg phone now... still can do the 1571 thing and hear that a call was missed between those hours from an overseas number....

Allied International Credit who spoke to my children 9, 9, 3 years of age and told them Mummy and Daddy were going to be in big trouble if they didn't call back.... I was in shower!!! And who phoned between 12 midnight and 3 am every day for four months!! congratulations.... they earned themselves a non-paying customer....

should i offer token one off payment as per templates... could porb sell some of kids old toys on ebay?

hey alan- thanks for your reply, just recieved a letter today from OZ DCA requesting amount in dollars... don't want to contact them in any form and give them new hope/leads/in roads etc. BUT wondering what TO do... I do not know which UK debt this company has-they say it is from RBS- who underwrite half the CC debts we have. To my knowledge (i got two signed application forms with no credit limit on so non enforcable) none of the CC have produced valid CCa yet... could it be unlawful that this has been passed on? Should I act or ignore and ride it out?

hi team... distressing news... RBS (aka tesco and mint credit cards) have produced signed application forms... also have 'sold' debts to AIC and RMA... not sure why if they feel they have everything they need.... bit lost now....shall formulate my questions in as orderly manner as possible! 1. Got threatening phone calls from DCAs before signed application forms received- what is appropraite? should i now cca the dca? 2. have read thread after thread about whether application forms are enforcable... they are signed dated legible but the terms and conditions are on a seperate document- still unclear what 'in the body' of the agreement means-should the T & C have appeared in the document before my signature? (fyi-application is from 1998) 3. what is my next step? realise it is highly unlikely they will pursue us but need to follow thru in order to have peace of mind! Thnks guys