Australian credit card company chasing me in UK after nearly 6 years - threatening letters

[cerberusalert]

Should I find out if a judgement has been issued against me in this case?

Yes.

 

I don't know whether Oz law is the same as the UK with respect to CCJs but I suspect that they will be unable to obtain one against a non-Oz resident.

[minky47]

Thanks Cerberus, have just - probably wrongly - posted a question against an earlier thread - basically asking whether Credit Corp will be able to see if I access my VEDA or Dun & Bradstreet file if I apply for an online credit report in Oz?

 

Does anyone out there know if you can get information on judgements made against you through the Australian court system, without having to go through the credit report agencies? I ask because I am presuming that doing it this way will not advertise your activities to creditors - surely the courts have rules on who they give information out to, and an individual is legally entitled to get information about judgements against him or her in the court system.

 

Any thoughts?

[cerberusalert]

Ask creditcorptrouble.

[creditcorptrouble]

March 2005 to March 2011 is more than six years. The debt is statute barred, as simple as that.

[creditcorptrouble]

Thanks Cerberus, have just - probably wrongly - posted a question against an earlier thread - basically asking whether Credit Corp will be able to see if I access my VEDA or Dun & Bradstreet file if I apply for an online credit report in Oz?

 

Does anyone out there know if you can get information on judgements made against you through the Australian court system, without having to go through the credit report agencies? I ask because I am presuming that doing it this way will not advertise your activities to creditors - surely the courts have rules on who they give information out to, and an individual is legally entitled to get information about judgements against him or her in the court system.

 

Any thoughts?

 

Yes, you can use Veda's "My Credit File" service. It can be found at http://www.mycreditfile.com.au/personal/credit-file.dot - just be sure when you enter your details, you put your current address as your last known address in Australia. Obviously you're lying but it will ensure your current address will not be spread around. You have to pay for this service, but the report is emailed to you within one day and then you can see what's on there without disclosing your current address.

[creditcorptrouble]

p.s. you can pay a little extra and subscribe to the My Veda Alert service and then whenever someone accesses your file you get an automatic email with the details of who did what.

[William415]

Thanks Cerberus, have just - probably wrongly - posted a question against an earlier thread - basically asking whether Credit Corp will be able to see if I access my VEDA or Dun & Bradstreet file if I apply for an online credit report in Oz?

 

Does anyone out there know if you can get information on judgements made against you through the Australian court system, without having to go through the credit report agencies? I ask because I am presuming that doing it this way will not advertise your activities to creditors - surely the courts have rules on who they give information out to, and an individual is legally entitled to get information about judgements against him or her in the court system.

 

Any thoughts?

 

I emailed the court directly (in the appropriate jurisdiction based on where I lived) and they promptly answered my question - verifying there were no court judgements against me. You can use this method, or access your credit report online using your last known address in Australia.

[creditcorptrouble]

The benefit of a credit file is you have a definitive date that the default was listed. As I found much to my benefit, having an old credit report available with such information soon put an end to a second duplicate listing by Credit Corp. Yes, they did a dirty trick, what a surprise. In all the debt was listed three times. We await the Privacy Commissioner's final outcome, but a recent telephone conversation confirmed that poor old Credit Corp are up to their neck in it.

 

And rightfully so.

[minky47]

Brilliant, thanks so much. Will do that and try and put my last address in, although I wonder how it will work if I am paying with my UK debit card. Will try it anyway. Just a point for those out there reading this too, I contacted the Magistrates Court in the state where I lived last night. I emailed them and told them my situation. I was very honest with them. I said Credit Corp were chasing me for a debt which I did not acknowledge. I gave them my full legal name and the last date of contact from Credit Corp and asked them to tell me if a judgement had ever been made against me. I just got back an email from (it's wonderful they are working while we are asleep with none of this bank holiday nonsense and they said they did a search on me and no judgement has ever been made against me. Phew!!!

 

I did an extensive search last night and found out that county court judgements for unsecured debt with credit agreements such as credit cards are made through the magistrates court. I checked it through the county court in my former state, because being called a county court judgement you would think it would be passed down through the county court, but no it is through the magistrates court - the civil section of course, as we are not criminals - ha ha.

 

Will also email the county court too and ask them the same question just to be doubly, triply safe and do the VEDA check.

 

Just to say too - I last made a payment and acknowledged the debt in August 2005 - March must have been a typo.

 

I also wrote three letters last night - one to SD telling them I am reporting them to ASIC and the Solicitors Regulation Authority in the UK; a letter to ASIC and a letter to the SRA. Will post these three letters today.

 

Am feeling very empowered.

 

If anyone else out there needs support and encouragement, please get in touch.

 

Power to the people.

[William415]

Brilliant, thanks so much. Will do that and try and put my last address in, although I wonder how it will work if I am paying with my UK debit card. Will try it anyway. Just a point for those out there reading this too, I contacted the Magistrates Court in the state where I lived last night. I emailed them and told them my situation. I was very honest with them. I said Credit Corp were chasing me for a debt which I did not acknowledge. I gave them my full legal name and the last date of contact from Credit Corp and asked them to tell me if a judgement had ever been made against me. I just got back an email from (it's wonderful they are working while we are asleep with none of this bank holiday nonsense and they said they did a search on me and no judgement has ever been made against me. Phew!!!

 

I did an extensive search last night and found out that county court judgements for unsecured debt with credit agreements such as credit cards are made through the magistrates court. I checked it through the county court in my former state, because being called a county court judgement you would think it would be passed down through the county court, but no it is through the magistrates court - the civil section of course, as we are not criminals - ha ha.

 

Will also email the county court too and ask them the same question just to be doubly, triply safe and do the VEDA check.

 

Just to say too - I last made a payment and acknowledged the debt in August 2005 - March must have been a typo.

 

I also wrote three letters last night - one to SD telling them I am reporting them to ASIC and the Solicitors Regulation Authority in the UK; a letter to ASIC and a letter to the SRA. Will post these three letters today.

 

Am feeling very empowered.

 

If anyone else out there needs support and encouragement, please get in touch.

 

Power to the people.

 

It will be interesting to see what SD come back with ... no doubt more nonsense. Please post it up for our amusement.

[creditcorptrouble]

You're close to being statute barred. Stall stall stall. SD know that the risk of recovering the debt is becoming slimmer and the more tasks you throw at them, the prospect of obtaining a commission by obtaining judgment makes the effort worth less and they will concentrate their efforts elsewhere. Having said that, the information you request is clearly pertinent and relevant to your defence.

 

I would encourage people, in complete confidence, to email me at [email protected] with details of whether the claim failed, or if a settlement was reached, what the amount paid vs the amount requested was so that the statistics can be published on http://www.creditcorp.net.au anonymously so that others know what their bargaining position is.

[jellybinh]

Just an encouragement to people on this thread. I stalled SD/credit corp here in the UK for almost 18 months till things were statute barred. Credit Corp are a bunch of absolute gangsters, and Westpac are incompetent liars. They sold the credit card debt after I had come to a repayment arrangement with them and was happily meeting the arrangement.Westpac are idiots. If they hadn't sold the debt for pennies in the dollar to these gangsters, they would be fully paid up now. Useless the lot of them.

Edited July 14, 2011 by cerberusalert

[creditcorptrouble]

Yes SD just seem to be having a go and see what happens but never really take anything seriously - I would love to hear of any adverse dealings with them.

[leelang229]

Hello Jellybinh,

I am interested in how you managed to stall or 18 months. I have a Citi card debt in Oz, which will be SB'd in 12 months. Currently I get 2 calls a week from a chap at Citibank who wants me to call him! I expect that the debt will eventually get sold on when they get bored of my non-response. I would like to get some tactics ready for when Creditcorp come calling

[Joe Q Public]

Ignore them.

[natashacat]

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

Edited February 5, 2012 by natashacat