Thank you for your very helpful and relieving advice Do you recommend I file a dispute with the aus fos now or wait (I don't want to leave it to late)

Hi Minky How did you get on with these people? They are hounding me now. I would love to get my hands on your complaint letters. Looks like i will have get some complaining done. Please advise if you can http://www.consumeractiongroup.co.uk/forum/showthread.php?335646-Stevensdrake-Solicitors-and-Credit-Corp-pty

Hi Aussie, Any more info? They are hounding me now. http://www.consumeractiongroup.co.uk/forum/showthread.php?335646-Stevensdrake-Solicitors-and-Credit-Corp-pty

Hi, Can you please tell me how you got on here with Stevensdake? They are hounding me now. http://www.consumeractiongroup.co.uk/forum/showthread.php?335646-Stevensdrake-Solicitors-and-Credit-Corp-pty

I asked my husband about the notice of assignment as he understands better than me. He says that i have not received one, or a section 80 notice. He is interested very much in the licence issues.

Hi was in QLD Australia A what? - That would be a NO lol the only thing I have are letters to say payup and the last one wanted to know all of MY ins and outs financially and my HUSBAND ins and outs financially which surprised me because you all have said it has nothing to do with him at all. My understanding is that this effects me and me only - unless of course I read or understood advice wrong?

Shouldn't i file a dispute with the FOS and give myself a little breathing space or am i missing something? I want to make it as hard as possible for these people to walk all over me. They have made my life a misery at times and I'd love to cause them some headaches.

Hi Cerb, Many thanks for the quick reply. Ignoring seems to be the hardest thing to do are you sure? Honestly I'm just sick and tired of this issue, its been running now for over a year and its time to end it one way or another. My partner who does not do well with these kind of things (suffers from stress, anxiety and depression amongst other things) is prepared for it to go to court but insists that i defend. I have been reading up on jurisdiction and will take my lead from a couple of threads on this site. I will dispute jurisdiction. I will not give in to the threats anymore. If they managed to get a judgment against me hopefully the monthly payment wont be too high on my £80 a month income. They don't take my partners income into consideration do they? Really do appreciate the replies

Hi Guys, Received today another letter from Stevensdrake solicitors and this time it states that if i do not pay in full by return of post they will commence legal proceedings without further notice. They didn't even give one week to get back to them on the first letter. They state that if i dispute the claim then i have to advise them before legal proceedings are issued. Other than that they state that if i can not pay in full then i have to contact them to discuss payment by instalments and i should complete a statement of means which they included. No other documents like copy of agreement or notice of assignment etc. I have done some reading this past week and feel almost sure that the assignment would fall into the period when Credit corp did not hold a licence, but i cant say as i don't have the assignment dates. Any ideas on how to proceed? Request copy of original agreement, notice of assignment? Should i put in a dispute with the aus ombudsman? Any help would be most appreciated. I will defend any action they bring and as i have nothing to lose.

thanks again all very valuable and helpful advice thank you

Just a thought about ignoring SD. If i ignore them how will they know about my circumstances? I was thinking about writing and asking for a copy of the original agreement and the Notice of assignment. Then include a very basic note about my income. Does that sound ok? Again, thanks for the help

lol £750 to go bankrupt so I can't even afford to go bankrupt lol well I have nothing of value even the car I drive has no value and I drive that very little because of the price of fuel lol the business has made a loss for the past 3 years at least which is online in companies house public records I am led to believe so if they didn't take my word for it they only have to look there to see lol thanks for the link will go and read that I appreciate all of yours and everyone else's help with this oooooooo just looked at the link above and have another name and another phone number they can add to that list this woman harrased me every day for so long with phone calls grrrrrrrrrrrrr

thanks guys any more help will be appreciated yikes just went to that link you have provided and so many listed there they have done to me like 3 times phone calls at 3 am then daily after that at 7am talking to my clients asking personal questions about me then I lost them as a client because of it! and so forth

Thanks for your quick reply it has been 5 years and 10 months and I was in Queensland with the cyclones

Hello all, For over 14 months now i have been harassed and abused by Credit Corp services pty in Australia for an alleged debt from a credit card with ANZ bank. They have harassed me with phone calls at all hours of the day including the first call they made at 3 am. Many other calls at all times of the day. For months i had to risk losing business and turn of my phone. I refused to answer their security questions and told them in writing only but they still called time and time again. I am self employed here in the uk and have a small web design business. Credit corp found me via the website i have for my business. I guess as i would not talk to them they proceeded to call clients from the portfolio on my website asking for personal details about me. This not only caused major embarrassment to myself but even caused the loss of one client who i guess lost confidence in me. They sent emails requesting i call them about an overdue account. I did not answer I only ever got one letter from them about 9 months ago I came to the uk after becoming homeless after the Queensland cyclone of 2006 and became a debt exile which i have been for the past almost six years. In the past couple of years i have only drawn £80.00 a month and if it weren't for my partner i couldn't even eat. My partner has become more and more ill over the past couple of years with mental health issues and although holds a full time job its a struggle to make ends meet. He is often too ill to work. I have two adult children in Australia who i have not seen for almost 6 years and my partner has 3 who he has not seen in that time. Why did we come to the uk and not file for bankruptcy in Australia you might be thinking? because my partner couldn't stand the thought of not being able to leave the country for 8 years (we were told 8 years at the time) He wasn't working there and couldn't find a job. We thought that once we left Australia we could file for bankruptcy from the uk but after arriving found that you have to be resident in Australia to be able to do that. So here we are now with a letter from Stevensdrake Solicitors of Crawly today asking for payment by return for $38,000 dollars. Just a letter with a form with payment details plus a return envelope. No other details of the alleged debt. Of course that is totally out of the question and with £80 a month income i cant even think of offering any payment that might be accepted. I suppose from reading other threads on here that Stevensdrake Solicitors will apply for a CCJ. If they did get a ccj against me what kind of payment would i be expected to pay on my income? I don't care about not being able to get credit as with my income and being self employed i cant get any anyway. I will still defend against it though? Also hypothetical question here. If Stevensdrake Solicitors do obtain a judgment against me could i return to Australia and declare bankruptcy in the uk from there? I don't have any assets worth a damn so kind of thinking i have nothing to lose. I don't want to bother my partner too much with this as his illness would only get worse with the stress and worry. I know i will have to at some point but hope to learn some answers to some of the questions that will follow. Can anyone help or suggest?