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Awesome stuff .......... very intresting .
Theres a rumour being spread about you in another thread TH
Theres a rumour being spread about you in another thread TH
Credit Corp. debt - scam or not?
- Thread starter Mikii
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Tremendously useful post TH, good to see u still around
One thing I can add here Mikki, is you have an excellent chance to tell them the debt is not yours in an expletive laden tirade:cussing..record this then!
haha, thats what most of the the debtors on their books would do anyway, they would be a low breed
:You could also ring the Consumer or Fair Trade Department for free info, if you do not wish to pay for a legal consultation/letter.
In my legally unqualified opinion, a receipted email, outlinining that it is not definitely not your debt, and pointing out the incorrectness of the data, would still be a useful thing to do, as it may be sufficient for them to desist, especially if you point out that you are aware of your legal rights in respect of the matter.
I have done that so many times (receipt email) and has saved my ass more than once.
Others may take a different opinion, I do agree with TH, be very careful.
I would not ignore this matter, as I did with One-Tel
CCP has a very aggressive reputation, (I have considered them as an investment a couple of times, and their SP has performed strongly recently)
thanks for the info Trembling Hand, good find and will help me alot.
through the phone conversation i explained many times about the wrong name and past addresses and that i have never joined NAB. when i mentioned that i didn't even know english in 1989 to open an account, for a moment he agreed and was on my side and said yes that is strange... He explained to me that because of these facts not matching, he has to look into the matter further and "dig deep into the NAB files".
no matter what i wont accept this debt because i know for a fact that i'v never joined NAB at all. i guess the next step is to wait for his call and if he believes that it is my debt then i will pass it onto my lawyer and request more information on the debt.
this matter wont be left, i will take it seriously until it is resolved. it is annoying how these things knock on your door any time in your life...
thanks alot everyone and appreciate your research TH.
il keep you guys updated when he calls
through the phone conversation i explained many times about the wrong name and past addresses and that i have never joined NAB. when i mentioned that i didn't even know english in 1989 to open an account, for a moment he agreed and was on my side and said yes that is strange... He explained to me that because of these facts not matching, he has to look into the matter further and "dig deep into the NAB files".
no matter what i wont accept this debt because i know for a fact that i'v never joined NAB at all. i guess the next step is to wait for his call and if he believes that it is my debt then i will pass it onto my lawyer and request more information on the debt.
this matter wont be left, i will take it seriously until it is resolved. it is annoying how these things knock on your door any time in your life...
thanks alot everyone and appreciate your research TH.
il keep you guys updated when he calls
Your Lawyers fee may exceed the amount you own
so be careful about using lawyers without first consult the fees structure.I know someone who fight a case worth 30K end up costing 50K
plus 1 year of headache
If it is not your debt I wouldn't worry about it just work through with them and get it resolved.
Not all their debt are recoverable so they do write off for mistaken identify, people die and all sort of reasons
Hey Aussie Mates,
I was searching online to see if there anybody out there inthis situation too as I got a call from Creit corp just like Miiki did, it was all same way I gave them my DOB and he says yeah you are the one!!...The man said I owe two banks a total of $9K. Hmmmm, I left AUS in 2005. He doesnt have a clue when these dues are from. He sent me an email where it started with "Without Prejudice" in quotes...The email had an application made to commonwealth bank for a credit card which doe not have my signature but my correct details. This does not have a date nor I ever lived in that address. I am in USA now and might not even return AUS as I had to migrate here with family on business (though USA can never be OZ and I miss OZ)....This fella keeps calling me every day and I just ignore it and he keeps a message saying how you wanna pay for it?? Common dude!! What do I pay for and why?? Could some one suggest if I can email him explaining him that I do not agree to be responsible for that credit ?? Do you think that would act like an evidence in anyway to sue me again?? BTW if you are curious as to how he got my number? he searched my name on google and I am all over it cuz of my position inthe company. Any thoughts are very appreciated....
I was searching online to see if there anybody out there inthis situation too as I got a call from Creit corp just like Miiki did, it was all same way I gave them my DOB and he says yeah you are the one!!
...The man said I owe two banks a total of $9K. Hmmmm, I left AUS in 2005. He doesnt have a clue when these dues are from. He sent me an email where it started with "Without Prejudice" in quotes...The email had an application made to commonwealth bank for a credit card which doe not have my signature but my correct details. This does not have a date nor I ever lived in that address. I am in USA now and might not even return AUS as I had to migrate here with family on business (though USA can never be OZ and I miss OZ)....This fella keeps calling me every day and I just ignore it and he keeps a message saying how you wanna pay for it?? Common dude!! What do I pay for and why?? Could some one suggest if I can email him explaining him that I do not agree to be responsible for that credit ?? Do you think that would act like an evidence in anyway to sue me again?? BTW if you are curious as to how he got my number? he searched my name on google and I am all over it cuz of my position inthe company. Any thoughts are very appreciated....Got call back again today and he left a message saying that he would pass the file to offices in USA and they are going to get me and that will get me into more trouble with my business. I will updating this thread along, I am sure there are many out there that must have been victims of Identity theft...
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I too have just had creditcorp phoning me in regards to a debt.
Woman by the name of serinna came over as a tough knuckle so i treated her in the same manner and hung up.
All i can say guys is when this mob rings dont volunteer any info and if they try to intimidate you hang up and make your own enquiries.
If your mobile is capable of barring unknown numbers turn it on as you will receive calls from all over aus that you dont recognize.The more you get angry with them the more they call.
Woman by the name of serinna came over as a tough knuckle so i treated her in the same manner and hung up.
All i can say guys is when this mob rings dont volunteer any info and if they try to intimidate you hang up and make your own enquiries.
If your mobile is capable of barring unknown numbers turn it on as you will receive calls from all over aus that you dont recognize.The more you get angry with them the more they call.
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When you start receiving letters threatning legal action dont panic.
If you read carefully the letter says that they "may" take legal action but this comes at a financial cost to them depending on how much you owe them.
Rule of thumb,anything under $10,000 it costs them $5-600 an hour for a solicitor to prepare paperwork plus lodgement fees within the small claims tribunal.
Creditcorp have options to make obtaining credit for yourself within a 6 year period difficult, similar to being unofficially declaring yourself bankrupt.
So,if your still wondering weather creditcorp is a scam or not be honest with yourself.
If you read carefully the letter says that they "may" take legal action but this comes at a financial cost to them depending on how much you owe them.
Rule of thumb,anything under $10,000 it costs them $5-600 an hour for a solicitor to prepare paperwork plus lodgement fees within the small claims tribunal.
Creditcorp have options to make obtaining credit for yourself within a 6 year period difficult, similar to being unofficially declaring yourself bankrupt.
So,if your still wondering weather creditcorp is a scam or not be honest with yourself.
according to this they can add that cost to your debt
http://m.businessday.com.au/busines...-times-everything-they-own-20100301-pdjc.html
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Creditcorp can say all soughts things to get you to pay but the last i heard you cant go to jail for having unpaid debts unless you have obtained financial advantange using deception i.e fraud.
prawn_86
Mod: Call me Dendrobranchiata
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No but you can go to jail for not obeying a court order to repay them if it came to that
I recently received a letter from the same place, saying i owed $1509, I called up asking where the debt was from, first of all they made me hold after getting my information and put me on with someone higher up apparently, the guy i spoke to, i could hardly understand him, he managed to tell me it was from Avco 12 years ago. I could not place the debt, they claimed I payed $691 from the debt in 2007 and I KNOW i never paid anyone that let alone a debt i have no idea about. I told him that, he couldn't tell me anything else about this apparent payment except it was late 2007. They knew where my last employment was, and they knew my name, DOB and address. I told him I would call back once I worked out if i owed the debt and he stated that he could sue me for all the money if i did not pay, he said if i payed $1000 there and then he would let me off with the $509, I told him i would get back in touch with him.
He called me back all day at work yesterday and i told him to go away I was working, I spoke to him today and I informed him that regardless to anything the debt is statute barred he argued with me telling me because I made a payment in 2007 it is not. I told him that i did NOT make a payment and he tried saying someone i knew must have paid it and I know no one who would do such a thing so i mentioned "since this is record I will state i made no payments and i am not responsible for the debt!" he then said that he was filling out the paper work to report me to the credit agency. I asked him for the original documents and the ones he have for this credit and payment and he said did not have to send me anything.
Can he do this if it's statute barred? I read on one of the sites that it can't be done. Is he lying to try and get me to pay this apparent debt? I never made a payment nor has anyone I know. I can't afford a lawyer, I might go to one of those one off consultations with a lawyer to see what my options are. I did notice he never threatened me with court again.
He called me back all day at work yesterday and i told him to go away I was working, I spoke to him today and I informed him that regardless to anything the debt is statute barred he argued with me telling me because I made a payment in 2007 it is not. I told him that i did NOT make a payment and he tried saying someone i knew must have paid it and I know no one who would do such a thing so i mentioned "since this is record I will state i made no payments and i am not responsible for the debt!" he then said that he was filling out the paper work to report me to the credit agency. I asked him for the original documents and the ones he have for this credit and payment and he said did not have to send me anything.
Can he do this if it's statute barred? I read on one of the sites that it can't be done. Is he lying to try and get me to pay this apparent debt? I never made a payment nor has anyone I know. I can't afford a lawyer, I might go to one of those one off consultations with a lawyer to see what my options are. I did notice he never threatened me with court again.
when they brought the debt do you think it's possible the previous people took some of the debt off and made it look like a payment of sorts? I'm calling ACCC tomorrow.
His name was Anurag Chaturvedi he was very professional until I mentioned it was statute barred and then he become a little "aggressive" and even though at the beginning of the call it is stated the phone conversation was record for training and quality he said he could use it in court. I didn't think they could since it was not stated for that purpose only for the purpose said. I don't care if it is used in court since i denied anyways but still can they use it?
His name was Anurag Chaturvedi he was very professional until I mentioned it was statute barred and then he become a little "aggressive" and even though at the beginning of the call it is stated the phone conversation was record for training and quality he said he could use it in court. I didn't think they could since it was not stated for that purpose only for the purpose said. I don't care if it is used in court since i denied anyways but still can they use it?
Julia
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Trebor, like many of the preceding posts on this thread, it sounds like a scam to me.
I'd never engage in any phone conversation with this sort of person, but tell them to send me by registered post whatever they are alleging.
If I was quite certain I'd never incurred that debt, I'd be passing on the written information to the police.
Someone above mentioned they'd responded with their birth date.
Never give out any personal information whatsoever to someone you don't know.
I'd never engage in any phone conversation with this sort of person, but tell them to send me by registered post whatever they are alleging.
If I was quite certain I'd never incurred that debt, I'd be passing on the written information to the police.
Someone above mentioned they'd responded with their birth date.
Never give out any personal information whatsoever to someone you don't know.
Hi,
I too have recieved a phone call from a "Vanessa", she knew my name and address. (Not hard information to obtain). I was told I owe $500 to a telecommunications company. I asked which company and she then said Telstra. She was rude, had a strong accent, was insisting that I give her my email address, and my DOB. I was busy and told her to mail it to me, she was asking to make a payment "NOW" using a credit card, I said I dont have one. She then said " Do a direct debit, you need to pay this now", I said I wont pay unti lI get paperwork, I ended up losing my patience and told her where to go, as I was busy, as after repeating that I wont be giving my bank details or date of birth, we had nothing else to talk about. I ended up hanging up on her.
Vanessa rang back within seconds, so my husband answered the phone, and he spoke on my behalf, he said "if we owe money, we will pay it, please send a bill out", she asked him for my email address, and my DOB. He started to crack up, and told her send a bill, again she asked for my email address. My husband told her where to go and hung up on her.
A few seconds later the phone rings, it was a man, he said "your computer needs to be updated" my husband unaware of the "microsoft scam", until told him whilst speaking on the phone to the "mircosoft scamster" , totally lost it, and said "....... the cops are after idiots like you, dont ever call back.......". A few days ago, this Vanessa called back, asking me why I had not paid my account, I said " I am waiting for the bill", then I said I am with Telstra, I am sure if I owe them money they could send me the bill themselves". She qasked me to pay, this time I got the reference number, and her phone number.
I cant help to think, that maybe certain ppl come to Australia on a student Visa, get jobs in telemarketing, (great way to obtain information), and maybe are studying IT, and can hack into systems, they can steal monies from our accounts, to send home.
I wont pay a bill unless I can deal with the company I owe money too, and I know I have that debt.
I too have recieved a phone call from a "Vanessa", she knew my name and address. (Not hard information to obtain). I was told I owe $500 to a telecommunications company. I asked which company and she then said Telstra. She was rude, had a strong accent, was insisting that I give her my email address, and my DOB. I was busy and told her to mail it to me, she was asking to make a payment "NOW" using a credit card, I said I dont have one. She then said " Do a direct debit, you need to pay this now", I said I wont pay unti lI get paperwork, I ended up losing my patience and told her where to go, as I was busy, as after repeating that I wont be giving my bank details or date of birth, we had nothing else to talk about. I ended up hanging up on her.
Vanessa rang back within seconds, so my husband answered the phone, and he spoke on my behalf, he said "if we owe money, we will pay it, please send a bill out", she asked him for my email address, and my DOB. He started to crack up, and told her send a bill, again she asked for my email address. My husband told her where to go and hung up on her.
A few seconds later the phone rings, it was a man, he said "your computer needs to be updated" my husband unaware of the "microsoft scam", until told him whilst speaking on the phone to the "mircosoft scamster" , totally lost it, and said ".
...... the cops are after idiots like you, dont ever call back.......". A few days ago, this Vanessa called back, asking me why I had not paid my account, I said " I am waiting for the bill", then I said I am with Telstra, I am sure if I owe them money they could send me the bill themselves". She qasked me to pay, this time I got the reference number, and her phone number. I cant help to think, that maybe certain ppl come to Australia on a student Visa, get jobs in telemarketing, (great way to obtain information), and maybe are studying IT, and can hack into systems, they can steal monies from our accounts, to send home.
I wont pay a bill unless I can deal with the company I owe money too, and I know I have that debt.
Garpal Gumnut
Ross Island Hotel
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I no longer have telemarketers call me.
Just ask them to hang on and play some John Denver or some other noxious sound loudly in to the phone.
If you have problems finding a John Denver CD, ( more your luck ) this device may assist.
Please turn your sound right down, as it may cause injury to your ears after the 18sec mark.
[video]http://www.sandman.com/sounds/TMDestroyerTone.mp3[/video]
It is available from Mike Sandman in Chicago, an old mate.
http://www.sandman.com/destroyer.html
The word must get around as I only ever had to play the John Denver CD a dozen times, and have not had a telemarketer call for many years.
I think that " Take Me Home Country Roads " was the one that did it in the end.
gg
Just ask them to hang on and play some John Denver or some other noxious sound loudly in to the phone.
If you have problems finding a John Denver CD, ( more your luck ) this device may assist.
Please turn your sound right down, as it may cause injury to your ears after the 18sec mark.
[video]http://www.sandman.com/sounds/TMDestroyerTone.mp3[/video]
It is available from Mike Sandman in Chicago, an old mate.
http://www.sandman.com/destroyer.html
The word must get around as I only ever had to play the John Denver CD a dozen times, and have not had a telemarketer call for many years.
I think that " Take Me Home Country Roads " was the one that did it in the end.
gg
pixel
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It might be a good idea to forward both to Fido or even directly to the Police.
https://www.scamwatch.gov.au/content/index.phtml/tag/reportascam
While that may be a possibility, it's unlikely IMHO. Why risk detection and arrest in Australia when phone calls from Overseas are cheap and scam artists like that can hide much more easily! Therefore, if I receive an unexpected/ unexplained call like that, I either hang up or, if I have time, excuse myself with a "hang on, I'll have to check" or "just a sec, there's someone at the door" and put the phone down.
for the next 15 minutes
Hi all,
I need advise urgently please
where do I start.
I recieved a loan from GE finance in the year 1999 it was for $2990.00.
I was making all the repayments for a good 2 or so years.
In 2002 my computer was stolen.
A police report was made and GE were notified, I sent them a copy of the police report.
I had insurance on my loan which covered damage and theft.
I was assured by GE my account was closed.
8 years later I get a call from Credit Corp insisting I owe $8100.00.
This is rediculous.
They keep calling my workplace I'd say 3-4 times a week, I have contacted them twice now stating I dont want them calling my work.
Unfortunately I buckled and made a payment plan of $70 a week to get them off my back, then they call and say that wont even cover the interest......what the.......now I'm told that was the worst thing I could do.
Should I get legal advice? after all, the debt shouldnt stand anyway
I dont know what to do??????
I need advise urgently please
where do I start.
I recieved a loan from GE finance in the year 1999 it was for $2990.00.
I was making all the repayments for a good 2 or so years.
In 2002 my computer was stolen.
A police report was made and GE were notified, I sent them a copy of the police report.
I had insurance on my loan which covered damage and theft.
I was assured by GE my account was closed.
8 years later I get a call from Credit Corp insisting I owe $8100.00.
This is rediculous.
They keep calling my workplace I'd say 3-4 times a week, I have contacted them twice now stating I dont want them calling my work.
Unfortunately I buckled and made a payment plan of $70 a week to get them off my back, then they call and say that wont even cover the interest......what the.......now I'm told that was the worst thing I could do.
Should I get legal advice? after all, the debt shouldnt stand anyway
I dont know what to do??????
I don't no much about your situation but here Is my opinion any way,
I would assume if you set up a payment plan to repay the credit
then the creditor would view that as you taking responsibility for the debit,
some finance companies have a RCA fee (revolving credit account fee)
In essence from what I understand if you don't repay the entire contract and cancel your account with the creditor you will be charged the RCA fee until you do.
So in your case if you have started paying back the debit there is not much you can do.
I would call the company and tell them what's going on if you don't get the right answer call back and ask to speak to someone else until you get the right answer
The debit shouldn't stand
Hope this helps...
I would assume if you set up a payment plan to repay the credit
then the creditor would view that as you taking responsibility for the debit,
some finance companies have a RCA fee (revolving credit account fee)
In essence from what I understand if you don't repay the entire contract and cancel your account with the creditor you will be charged the RCA fee until you do.
So in your case if you have started paying back the debit there is not much you can do.
I would call the company and tell them what's going on if you don't get the right answer call back and ask to speak to someone else until you get the right answer
The debit shouldn't stand
Hope this helps...
