Credit Corp. debt - scam or not?

[Ranga007]

For anyone who gets calls from any debt collection company like Credit Corp and the debt could be statue barred as last payment date was over 6 years ago (it's only 3 in NT) get the information from the company's in writing on the last payment date & if its over 6 years then instead of ignoring them you go to the ombudsman (COSL or FOS). This will cost them money firstly just to lodge a complaint.
It is against the law to ask for payment on a statue barred debt. Lodging a complaint with ASIC about them contacting you to pay a statue barred debt is also a good option as they will get reviewed and possibly fined.

In case of having a debt that isn't statute barred don't swear or hang up on them, advise you are in hardship and require a hardship arrangement. They are required by law to offer hardship.

Don't ever think the legal action is a joke as if you work full time or own assets they will take you to court and the legal costs will be added to your debt & then they have 12 years to enforce the debt. Judgment looks worse on a credit file and some credit applications ask if you have ever had judgment filed against you.

 

[Ranga007]

Do not pay any debt that has a last payment date over 6 years ago.
It is classed statue barred. They can not ask you for payment. Make them email you the full details like last payment made to the creditor they bought the debt from, date they bought it. If over 6 years then tell credit corp if they continue to contact you then you will make a compliant to ASIC, ACCC and COSl.

If you have made a payment to them already then you are to contact them asking for the full details of account like last payment & a statement of payment you made to them. if it was 6 year from last payment date to your payment to them then you go straight to COSL. they are the credit ombudsman services and they are an external dispute resolution.

Lodge complaint with COSL That you have either been contacted and had a demand to pay a statute barred debt or that they made you make a payment without letting you know it was statue barred.

 

[swati]

Re: credit corp debt - scam or not?

ok the guy called me back, now this guy was more professional. he asked for my DOB and current address is all correct, however he said that i used to live in NSW again, and my previous address is Banksia which is completely wrong. he said that it is a NAB mastercard, i have nothing ever to do with NAB, all my accounts is with commonwealth bank. i didnt even know english in 1989 to open an account! the first name is also incorrect.

i kept asking him to give me more information about me, but he kept resisting and saying he doesn't have much information because it was passed on from NAB. he said i made payments up to 2004 and then stopped. he said he will look into the file further from NAB but it will be very hard to find.

sounds like a load of bs to me. i told him that the guy that i talked to before didnt ask for my DOB and i was able to ask him anything. he wanted to get the guys name off me haha but i didnt know it.

what do you think??? bs or do they have the wrong person??? coincidence that the DOB and current address is correct ??? they can get that anywhere, the phone company i was talking about before had my full details. i can gaurentee that i had never been with NAB.

I got email from them today that i owe them some debt and they had send me reference number and i checked that i have received a mail from them previously as well. So i tried to login with that reference number and it says that i owe them $2433 but i dont owe anything to anyone. I got scared and found this on internet. I guess its just a spam. But still scared if someone used my identity or something like that.