Jump to content


  • Tweets

  • Posts

    • As I recall the only thing you tried telling us was based on a quote that you selectively edited by Lord James of Blackheath. You misrepresented it as a statement of fact when it was actually a question which was laughed at by his peers in the House of Lords.  We told you it was garbage, you asked us to prove it and we did.   Remember?
    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
  • Our picks

JonnyC89

Credit Corp Aus Debt - Next Steps?

style="text-align:center;"> Please note that this topic has not had any new posts for the last 283 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hello!

 

Cannot believe I've only just found this website!

 

I realise there's many threads but none quite about my stage...

 

My debt is a $12k Aus Credit Card from last year.

They emailed and I ignored

then they called my work relentlessly until I was taken into a HR meeting about it.

They also called two people from my Instagram (one I didn't even know personally).

I've since privatised all my social media.

 

I emailed them a massive complaint detailing every ACCC breach and gave them my email and number.

 

 

They replied to my complaint last week addressing only the point about pretending to be someone else saying that they never.

No other points addressed.

 

Then I received a call stating I need to pay, it's not going away etc.

I told them I was at the brink of losing my job and I simply can't afford to pay it all ($12k) because I'm a student working part time.

 

 

They've then emailed me an income and expenditure form and requested my HR letters and 3 months bank statements. They are going to call next week to catch up.

 

I'm going to ASIC about my complaint not being addressed properly

but I'm not sure what to do in the meantime about the agent calling me next week wanting all my info?

 

I realise now from reading this I shouldn't acknowledge it but i simply had to due to work.

 

I have no idea what I can/should do??

Share this post


Link to post
Share on other sites

you IGNORE THEM TOTALLY

its a fleecing exercise and they have

NO LEGAL POWERS WHATSOEVER

they ARE NOT BALIFFS

and

they have NO jurisdiction in the UK anyway.

 

 

there are NUMEROUS threads on here about them

simple use our search

go see your HR manager

and SHOW them

the threads here

tell them to threaten them with a lawsuit if they continue to use your works number.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

The thing is, I work in finance so I can be under investigation for poor integrity if they deem I've not paid.

 

That's the only thing they hold over me, contacting me at work if I ignore them.

 

Is it overkill and a waste of time to escalate me complaint to ACCC, ASIC, CIO and Econsumer?

Share this post


Link to post
Share on other sites

Yep you can be dismissed due to financial issues.

I have known several people working in financial services to lose jobs because of a court judgement on record. Others without court judgements have had to show they were repaying debt.

 

Credit corp have still broken rules regarding the contacts they made, so continue with your complaint.

 

You need to provide Credit corp with your UK residential address and advise them of your financial situation i.e income and expenditure.

 

 

Show them you have no means of paying and no assets such as a house.

 

 

They will then leave you alone for awhile and go after others.

 

 

corp use UK Solicitors, if it is worth going after people, because they have good income or assets.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Out of interest, if this goes down the route of them instructing a UK solicitor and they issue a court order and I contest on the grounds of no jurisdiction - would it still be a CCJ on my part?

Share this post


Link to post
Share on other sites

Yes, a UK court is likely to accept jurisdiction and if you lose you will end up with a CCJ. This is provided the Aussie credit agreement terms allows enforcement in a foreign court, which it probably will do.

 

But Stevensdrake Solicitors who Credit Corp use ,are unlikely to want to take to court, unless they could obtain a largish lump sum payment, to make it worth their while. In a few cases i have seen mentioned online, as soon as they realise they won't recover enough to cover their fees, they give up.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

I see, I don't have any assets and live off a part time income whilst at uni.

 

I've emailed all the ombudsmans that would listen and emailed the agent back saying I want to await their response first and to not contact me by phone again, only by email.

Share this post


Link to post
Share on other sites

the fact that you might have a debt abroad bears no refs to your UK position in the financial market

sorry but they are having you over as a fool.

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites
the fact that you might have a debt abroad bears no refs to your UK position in the financial market

sorry but they are having you over as a fool.

 

 

dx

 

Financial Services companies see debt as a problem, as it might tempt some employees to do things to help them pay debts off e.g set up loans etc.

 

There might have been questions asked when they applied for the job about having debts.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

Threaten CC with a complaint to the Australian privacy commission.

That one they will listen too, its a massive no no to involve others and breach your privacy.

Plus advise that they are breaking UK law acting as debt collectors without a UK license.

 

I did this and more in one email and never heard from them again.

 

 

Maybe because i told them they did not have my permission to send electronic mail and was going to put in a complaint to Optus (who they were using at the time and maybe still are) to submit their mail server IP to the anti spam database.

 

Next time they call DO NOT answer any security questions ever.

You have a right not to answer those and they cant talk to you if don't answer them.

The privacy commissioner in Aus has advised you not to answer questions over the phone.

 

Just so you know what i did was totally ignore Stevens Drake solicitors and never heard from them again either.

 

 

They were claiming $33,000 on a credit card.

Share this post


Link to post
Share on other sites

i'd forgotten about you krios!!

you posts are VERY useful

 

 

http://www.consumeractiongroup.co.uk/forum/search.php?searchid=8137546


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

Thanks I will help if I can as I have experience with these parasites from Aus.

 

It would help a little to know where the OP was living in Aus at the time of the alleged debt.

It can make a small difference for example Statute limits are different in the northern territory.

Unless things have changed recently.

 

 

Also each state has its own licence requirements for debt collectors.

 

It wouldn't hurt for the OP to let them know that we are following this on here on the forum for all to see too.

 

 

Credit Corp don't like this kind of attention as it helps others they are chasing to know their rights.

 

 

Don't suppose Stevens Drake solicitors in Crawly like the help given here either :-)

 

In my case I kept CC going for about three years until the account was statute barred.

Share this post


Link to post
Share on other sites

I might see if I can copy your various posts over the years to one thread

they wont all makes sense in the order they'll be as they'll be missing posts

but if I refer back to each thread

the whole of the info in one place could be a gold mine and a good focus for info.

 

 

thanks

 

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

Share this post


Link to post
Share on other sites

There is a sticky with much of this info, which can be added to.

 

I should imagine that there will be a lot of former Aussie residents moving to the UK over the next few years, as there has been a massive credit binge in OZ over recent years, which will probably go wrong.

 

House prices for those on the ladder have gone up massively.

 

In many parts of Sydney, average prices are now nearly $1 million AUS.

 

And lenders are willing to lend unaffordable amounts, which will end up with repossessions.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

@DX100UK Please feel free if you think it would help others.

 

It would be a good idea to look for posts by a guy called creditcorptrouble

He had the best info and at one time a full website that tracked all creditcorps breeches of guidelines.

 

He went to court a few times in aus to take them on and won.

He stopped posting after they went after him big time to close his website.

 

Cant say what happened but MY guess is they paid him off and included a confidentially clause.

 

 

As I said just my guess but after getting to know him it would be the only thing that would stop him in my opinion.

 

@unclebulgaria

 

That's been going on for 20 years or more.

When I was there two banks gave me credit cards with limits of $20,000 each and I was unemployed.

 

 

Every time I got near the limit they just increased it without my asking.

I went years paying one card with the other until I was so deep in debt bankruptcy was the only answer.

 

 

As a bankrupt I wouldn't have been allowed to leave the country so became a debt exile instead.

Share this post


Link to post
Share on other sites

Hello!

 

Thank you so much!

 

I was living in Sydney when I took the card out and was only in NSW/QLD/VIC.

 

I've advised them I only want correspondence via email and the complaint I sent

(which outlined 29 ACCC regulations and how each individual one was breached)

that they shrugged off,

 

 

I've escalated to ACCC, ASIC, CIO and Econsumer but I will also submit to the privacy commissioner.

 

 

I've advised them I'm not going to be in contact until I at least have my complaint looked at by these organisations.

 

It's really weighing on my mind.

I took this out expecting a much higher tax/super rebate to clear it but received WAY less that I realistically anticipated, which went on living costs in the UK until I got back into work.

 

Now I'm a student working part time, I don't have the means to support myself let alone this.

If I had the money, I'd pay it. I'd much rather that than the sleepless nights.

 

Your posts have really helped put my mind at ease though, can't thank you enough.

 

@unclebulgaria

 

Btw they are in such a massive credit bubble there, I dread to think when it bursts.

 

I'd been in the country six months and just had a temp job and six months left on my visa.

 

Provided my bank statements and visa, they gave me a $10k credit card that had an expiry date dated until the month my visa expired - crazy.

Share this post


Link to post
Share on other sites

@JonnyC89

 

I know its hard but you have to try and stop worrying so much.

Nothing happens fast with these parasites.

Apart from annoying people that is.

 

 

Stop talking to them except to complain and maybe request ALL information they hold on you which is your right under the privacy act. Only do that if they have your home mail address.

 

You don't have the money and no assets.

The worst they will try and do is refer it to Stevens Drake solicitors who wont take court action with a risk that they will be awarded £1 a month.

 

 

It will take them twenty years to get the court costs back.

They wont do it as others have already said.

 

 

The main thing is to stop them contacting you.

If you refuse to answer the security questions every time they will get tired of calling.

You just have to stick with it for a while till they move onto some other poor sod.

Share this post


Link to post
Share on other sites

Thanks so much Krios.

 

If it was a legit company, I'd actually set up an arrangement but I've seen the people on here that've paid instalments and had no record of it and the balance go up with charges etc. Feel like I'd be paying into a black hole.

 

I've been careful not to give them my home address. They requested bank statements etc to assess my income and expenditure but I'm not doing that for the very reason that it has my address on statements.

 

That's me also sent a complaint to the Privacy Commissioner detailing all of the breaches.

Share this post


Link to post
Share on other sites

Jonny,

They have no right by law to your income and expenditure details and your right about the charges. Interest alone was running at around 18% so all you would end up with a payment arrangement is owing them more each month than you started out with.

 

Also from what I heard of credit corp and payment arrangements is they still contact you every month to request/demand more and more money each month.

 

You will never get these people off your back till you refuse to talk to them. It does take time but they do give up eventually as there is not much they can do apart from harass you and embarrass you by calling your work etc. Not nice people.

 

To make a point here for others in your situation, there are any number of Debt collectors in Australia but the only company we hear of on this forum is Credit Corp

Share this post


Link to post
Share on other sites

The CIO have just acknowledged my complaint and told them to suspend action in the meantime so that's given me some breathing space at least.

Share this post


Link to post
Share on other sites

Good news,

but they will come back at you so get ready for the next round :-)

 

No more talking on the phone and email only would be my next step.

 

When you get an email reply asking for Credit Corps UK debt collection licence so you can check they have the right to contact a UK resident.

 

We know they don't have that but they will come back with some crap about not needing one.

 

Then you file a complaint with the Aus regulators about their illegal actions in the UK.

 

See what we get from that :-)

 

Lots more we can do yet so relax and try and have some fun with it.

Have a read of this thread from start to finish

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?265807-More-AUS-debt-being-chased-in-the-UK

Share this post


Link to post
Share on other sites

Hello,

 

Just an update. Haven't heard from Credit Corp since lodging the complaints.

 

ASIC and CIO have came back asking for more info about the complaint/my finances so have sent those back :)

Share this post


Link to post
Share on other sites

So the CIO have came back with an agreement of $75 a fortnight. Waaay more than I can afford!

 

They never addressed the issue of CC's debt recovery agents behaviour either

Share this post


Link to post
Share on other sites

Did you agree for CIO to negotiate a repayment arrangement ?


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites

No, I complained that I couldn't repay the debt and the agents methods to recover them?

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...