Thanks for the clarification, I did complain to the Australian FOS but to be honest they weren't very helpful
and just kept saying that I should try and resolve with Credit Corp.
I thought I had and we had an agreement in place then
the woman I was dealing with went on maternity leave and now it seems to have started from scratch again with the threats etc.
They even miraculously had the wrong email address after always having the right details in the past which was their excuse for calling me at work.
They are now saying that too much time has passed for them for the repa