QLD Credit Corp Chasing a Debt - What are Our Rights?

Discussion in 'Debt and Bankruptcy Law Forum' started by Paige Haines, 8 September 2018.

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  1. Broncos4ever

    Broncos4ever Well-Known Member

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    I got a settlement using cantpaymydebt but it took just over a year. If you no how to upload pics from phone ill upload the message from debt collector here.

    It started with discounts out of nowhere then a letter settling.
     
  2. kevin586

    kevin586 Well-Known Member

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    please tell me more about this bloke from cantpaymydebt.

    Email me on - [email protected] I dunno where you are at with this at the moment but I hope you have not given anyone any money to anyone at all at this stage. There is so much for you to learn for the future at least if you've gone to far at this point in time. I am happy to help you with your debt for free and teach you how to skills that will enable you to do it yourself in the future but I cannot do that if you do not contact me.
     
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  3. TRF

    TRF Member

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    15 years old debt... DO NOT PAID - STATUT BARRED DEBT - DO NOT PAID
    Don't pay the dude $185 - Educate yourself for FREE

    -----------------------------------------------------

    Friend of mine had a alleged $7500 debt with Pionner Credit. BUT WE BELIEVED THE DEBT WAS STATURE BARED FROM THE START

    Apparently for a Credit Card sometimes back. He started getting phone call from them to them asking re-payment of the debt and offering payment plan all over the phone of course.

    We requested in writting the following:

    1. A copy of the relevant and lawful Terms and Conditions;
    2. A true and certified copy (NOT photocopy) of the Original Credit Agreement with your organisation;
    3. A true and certified copy (NOT photocopy) of any account statements from the date of signature of the alleged contract to this date.
    4. Details of how the amount of the alleged debt was calculated.
    5. A true and certified copy (NOT photocopy) of the deed of assignment.

    Why true and certified copy ? Because those companies has no issue creating document to make you believe.

    We also requested that all communication be made by letter addressed to a PO BOX.
    • A person presenting himself as a "bailiff" but in reality a commercial agent (from his business card) came to my work place and residence looking for this person.
    • He ask me 3 times my name and I refused to gave me. He ask me if I was the person he was looking for and I refused to answer.
    • I proposed the bailiff a $10000 contract to help him to find this person or to pass on a message to this person.
    • Since he refused I ask this person to remove himself from my property - He did as he had no right to remain on the property once his implied right of access or invitation has be revoked.
    • I call back him back to know if he was at his office and meet him in the city to served him with a tresspass notice. HE WAS NOT HAPPY
    • The next saturday a call from a lady pretexting to be from an other company called. By the time she was talking I reverse the number and find she work with the commercial agent. Ask who contracted them. Told them that I had no contract with them and therefore could not discuss with them but a $10000 contract was on the table. She decline.
    • Call the firm that contracted them - a laywer debt collector in sydney - and gave them a rant. This firm told me that they do sometimes contract this company but not for any current case.
    • Two weeks after we received a letter from a law firm in Perth. Called the firm and ask about their letter. told them that we had no contract with Pioneer Credit, that we do not want any contract with them, that the debt was statute bared debt, that Pionner Credit did not provide document requested as their obligation and if they want to take the matter to court, we will be happy to apply for a Subpoena in matter to obtain the requested documents.
    • At this point the lawyer ask me if I was a laywer and I invite him to pursued the court process so he can found out. That at the end of the day I did not have to provide any information not to answer his question.
    • He hang up on me.
    • Then Pionner Credit offer to match $ for $ on the debt.... Giving a 50% discount on the original amount. - At this stage we have sent 3 letters already (not registered when they should have)
    • They call one more time where I basically call the Pionner Credit a lot little name all the time to the point he hang up on me after telling me that the conversation was recorded.....
    • IT HAS BEEN ALMOST A YEAR NOW AND NOTHING. - My friend still have to ask a credit score. We will follow up.

    My knowledge on this is coming from many many sources.

    First of All you should read this:
    Dealing with debt collectors: your rights & responsibilities
    A nice beginning but not really helpful - Pretend you have not read this...

    BUT THE REAL DEAL IS HERE.... THIS DEBT COLLECTOR GUIDELINE:
    https://download.asic.gov.au/media/3549402/rg96-published-29-february-2016.pdf
    PLEASE READ THIS - I CANNOT STRESS YOU ENOUGH This is What they can do and not do. How they can behave.

    What is a stature bared debt ? An old debt. 6 years since LAST payment (each payment is an acknowledgement of the debt) in all states - 3 years in the NT
    Statute-barred debts | The Law Handbook

    Do you have to pay an old debt ?
    Do I have to pay an old debt? - Consumer Action Legal Help
    You will find on this page a template to request the proof of the debt - What we have done in our first letter with other words.

    ASIC has issue a paper about Stature barred Debt following Collection House Ltd v Taylor [2004] VSC 49
    https://download.asic.gov.au/media/1347476/statute_barred_debts_report.pdf

    Now in regard of the document you may request for them prove they claim over you... THE FACT THAT YOU OWN THEM MONEY.
    It's all in their guidelines... 11. Providing information and documents
    If they cannot supply documents
    DO NOT PROCEED PAYMENT - DO NOT ACKNOWLEDGE THE DEBT IN WRITING


    .
     
  4. mickeyp0001

    mickeyp0001 Active Member

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    I also paid this guy money, have you heard back from him?
     
  5. debtbusterz

    debtbusterz Well-Known Member

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    how much did you pay him and did he give you confirmation?
     
  6. Broncos4ever

    Broncos4ever Well-Known Member

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    I paid him once in the beginning and got a settlement just after 12months. I owed $12784 and settled for $900. I posted here before after paying settlement how long until default gone, but I checked yesterday and it's gone. I'm happy
     
  7. Kieya Smith

    Kieya Smith Member

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    hi everyone. How did everyone go with Andrew from cantpaymydebt?!?!? Scam or lagged replies from him?
     
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  8. Kieya Smith

    Kieya Smith Member

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    Did to
    how did you go drunkle?
     
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  9. Broncos4ever

    Broncos4ever Well-Known Member

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    Yes worked for me as I wrote before it does take about 12months to settle
     
  10. Anna Murphy

    Anna Murphy Well-Known Member

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    He is a con man do not pay him a cent. He has robbed me of $285 last sept and done nothing. Won’t answer emails.
     
    Dman930 likes this.
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