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jessica1

CreditCorp chasing $8k credit card debt

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HI all, I'm new to the forum and have been doing some reading around this.

 

I'm a dual citizen who returned to the UK in 2016, originally I kept up with payments but then found myself unable to do so.

 

I have recently received an email from Credit Corp demanding payment for a debt or nearly $9k which they are offering to accept $8k for if I pay in the next 7 days etc etc...

 

They have phoned an old contact in Australia who I haven't seen since 2010, my guess is they googled her after she left a comment on my facebook profile pic - all my FB settings are private except the profile pic which you can't do anything about.

 

They have phoned my work a few times, I guess they googled me and found my work info as I'm on the work website, but of course they can't be 100% sure it's me...my colleague said I didn't work there and then I spoke to them and said they had the wrong person of that name, I had never lived in Aus. I guess they will keep on calling!

 

I don't have the means to pay this debt - if I could, I would do so now!!

 

How should I respond to the email? From looking on the forum I have some ideas around privacy.

 

We have a house with a mortgage here but with a little equity in it. There are no other assets apart from my car.

 

I'd really appreciate some help as this is very scary and I don't want to make the wrong response at this point.

 

Thank you in advance.

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No response at all. Totally ignore them. Once you reveal yourself to them, they will become aggressive and phone you all hours, including your work. Read the other posts on this site. Aussie regulators have apparently warned them previously about their employees behaviour.

 

At some point they might pass to UK Solicitors Stevensdrake and if they find you, then you will get a letter in the post. The first letter might well be a fishing letter hoping for a response and you are best to ignore. If they send further letters with more info about the debt, then come back for more advice. Letters with full details about debts suggests they are confident they have the correct debtor at the address they are writing to.


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Thanks for the fast reply.

 

I was about to edit my post to say that after the first call to my work when my colleague said I didn't work there, and the Aussie contact, I got an email to which I replied saying to please not contact my contacts or I would report them for harassment, and that I had no means of paying any debt. So I guess they can figure out that the FB person is the right one.

 

They then sent a reply saying that it had come to their attention that I was now residing in the UK, that I had sold my Aus house and the sale price (easy to get off the internet anyway), and that they knew I was working at XYZ place, with the 'pay now' request or they reserve the right to refer it to a local UK agent (StevensDrake).

 

They've requested a mobile number which I am NOT giving!

 

I haven't replied to the second email. I guess I've already revealed myself...should I now ignore or respond with all the privacy etc info that I've gathered from all the other posts about them?

 

TIA

 

PS they have also emailed all the CC statements plus the notice of assignment from National Australia Bank (NAB) dated June 2017, and the section 88 default notice dated 07/02/18 with e 40 day notice period, which is the date I received the second email..

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god why did you reply

 

never reply to the sc@mming emails

you should have bounced it back unread

pers i'd block their email address

 

stuff and all anyone can do to you here in the UK

but as you've said

you've read posts here already so you know that already

 

dx


..

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I replied in a panic as I didn't want any more phone calls...then I started researching and found this group and read lots of info.

 

Have I totally messed up by replying? What should I do? I'm really panicking now.

 

is there really nothing they can do here even though we have a house? I have found so much conflicting information.

 

How can I bounce back an email unread?

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No, not messed up. Just don't respond any more.

 

YOU ONLY RESPOND AFTER GETTING ADVICE, IF STEVENSDRAKE SAY THEY WILL BE ISSUING A COURT CLAIM IN A LETTER BEFORE CLAIM.

 

Most email accounts have a block sender option in the email account settings, so future emails are not received.

Edited by Mr.P
Correct typo

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

 

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I had another email this morning (I guess as their 'deadline' of 9th Feb went ignored) but I deleted it without reading it. I'm not in work today so I don't know if he called.

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