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Credit Corp. debt - scam or not?

Discussion in 'General Chat' started by Mikii, Jan 5, 2010.

  1. Mikii

    Mikii

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    hey there fellas !

    i am posting this to get your opinions as to which this is a scam or not because it is very weird.

    i have relieved a letter from credit corp group - notice of assignment of debt. it says that i owe them $1,300 overdue. i am not aware that i am in this sort of debt, i think i would know if i had one.

    i just called them up and asked them about it, first of all the guy said i used to live in NSW, which was wrong, secondly, he got my middle and last name right but not my first name. then he passed me onto someone else for more details, the lady got my date of birth correct, so it is me. then i asked her where is the source of this debt. after holding and searching she said that is it from 1989 !!!!
    she said she doesn't have any more information and that another guy is holding all the information and he will call me back in an hour.

    is this a joke or what ??? 1989 !!! i barely even knew english at that time let alone sign something for $1300!!! i also find it very stupid the way i get this notification 20 years later. note the people over the phone did sound very...unprofessional. they were struggling for words and very nervous.

    what do you think of this??? i did a search of credit corp and they are pretty legit...credit collectors or something... even listed on the asx!
     
  2. Mikii

    Mikii

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    Re: credit corp debt - scam or not?

    just sitting here thinking about it, when i called up all they asked for was a reference number and i was able to ask them anything. they didn't ask for my DOB until i asked them which they asked me and i was dumb enough to say it. ( i guess im used to other companies where you have to say your DOB before you can get any information).

    im going to ask them what my address was in 1989, i cant wait to get this matter solved.

    another situation happened to me a few months back where this company kept calling me and telling me my mobile contract is nearly finished, they had my name and address. but then i called up my real company and found out the contract is not finish until another year. i then waited for their call back and asked them smartass questions which they couldn't even answer. wish i could get my hands on them!
     
  3. BradK

    BradK

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    Re: credit corp debt - scam or not?

    Not sure. 1989 - isn't there a statutory limitation on debt? To chase you 21 years later for it with nothing in between seems a bit suspicious.

    Let us know how you get on.

    Brad
     
  4. Mikii

    Mikii

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    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.
     
  5. nomore4s

    nomore4s Commonsense isn't that common

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    Re: credit corp debt - scam or not?

    Could be a case of mistaken ID
     
  6. lusk

    lusk

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    Re: credit corp debt - scam or not?

    Sounds like a scam, they have got you DOB, your address and probably want your drivers license number next.

    It’s obliviously not you so tell them and don’t worry about it until the Sherriff comes around. :D
     
  7. awg

    awg

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    Re: credit corp debt - scam or not?

    Credit Corp (CCP) is an ASX listed co that buys debt wholesale (very cheap) then attempts to recover them.

    IMO (what I would do anyway)

    obtain the correct name, phone no, and email adress of the person you need to deal with.

    email them the concerns detailed in yr post.

    the way these companies work is fairly devious imo, they can and will use various scare tactics in order to recover, including listing you on a credit blacklist (bad).

    I most certainly would not consider paying such a demand, even if i did actually owe the monies.

    In fact a debt recovery company acting on behalf of One-Tel pursued me for a mobile phone debt of about $200 for some years.

    I threw every letter they ever sent me right in the bin..eventually they desisted...i have never checked to see if they put a bad mark on my credit record
     
  8. Mikii

    Mikii

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    Re: credit corp debt - scam or not?

    hahaha awg - that's the way to handle it !!!
    In the letter they did say they will blacklist me if i do not pay immediately.
    i think it was very bad luck of them to get the details wrong, there goes $1300 of revenue.

    i did do a check up on them before hand, and yeah they are legit and are listed on asx for around $2. i guess it isn't a scam however it is such a coincidence that the dob,address and half the name is correct. i find it hard to believe it is mistaken identity but also i believe 100% that i have never dealt with NAB in my life. very strange but i want him to dig up the information and find out more.

    btw he kept saying to me over the phone "you are being recorded", and i kept saying back "yes i know that"...i didn't swear or use any foul language, i just repeated the same question over and over again because i wanted more information ha ha.

    i hate these kind of companies, annoying to deal with...especially the mobile telphone company, i kept questioning them about my plan, and all i hear is uhhh err errr
     
  9. derty

    derty

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    Re: credit corp debt - scam or not?

    How do you know these guys are actually from Credit Corp?

    It all sounds like scammers pretending to be from Credit Corp. Make him prove who he is. A lot of these scammer groups have menials who make first contact and once someone is engaged then the more experienced con-artist will take it from there.
     
  10. Mikii

    Mikii

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    Re: credit corp debt - scam or not?

    that's a good point, they didn't have good phone manners. usually they should state who they are and where they'r from. when he called me he was just hi... and that's it, i had to do all the talking. however i know they'r from credit corp is because its on the notice and i called the number on it. the first 2 people i talked to had terrible phone manner, they we're struggling for words.

    well they'v probably called a meeting and finding another strategy to get me to pay up ha ha.
     
  11. derty

    derty

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  12. nunthewiser

    nunthewiser

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    Any chance some identity got stolen off you in the past ? .20 years back it was rather easy to get a few extra ID documents together if you had one piece in the first place .Perhaps you been scammed that way and someone used your name /details to open up a few accounts/credit?
     
  13. lusk

    lusk

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    Re: credit corp debt - scam or not?

    Removed: Derty already posted
     
  14. Judd

    Judd

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    High probability it's a scam and you are starting to give them sufficient information to enable an identity theft, namely, yours.

    It's up to you but it doesn't seem to me to be a good idea to provide any further information or response to their questions. A rational person would contact credit corp via its web-site or telephone numbers listed on its web-site and use their little gray cells from that point onwards.
     
  15. Mikii

    Mikii

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    anything can be a possibility at this point however since the name is wrong i ain't paying anything. even if it is correct, i know from my records that i havn't been with NAB ever before, so blacklist me, i don't mind, not like i need a loan any time soon or in the future.

    although, i cant wait to hear a response from them, lets see what else they dig up. damn scammers, how do they live with themselves like this... :banghead:
     
  16. Mikii

    Mikii

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    i phoned directly to credit corp before, the number from the site, and they referred me to this number which is the number on my notice. so they'r definitely from credit corp, probably not a scam seeing they'r reputation however probably just got their papers all messed up. a big mess. or credit corp probably do suck and they'r just scammers and also scammed their way onto the asx haha
     
  17. gooner

    gooner

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    As a general rule, do not provide info to people who phone you and ask you to confirm your ID. If they have phoned you at home, then they should know that it is you!!!!!:rolleyes:
     
  18. Tink

    Tink

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    I wouldnt be giving them anymore information.

    If they ring back, I would be saying "sorry wrong person, dont waste my time".
     
  19. boofhead

    boofhead

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    Can you turn to another organisation to investigate?

    There is a possibility someone used your identity in the past. Close relatives of mine have experienced it. Possibly because we have very common names - imagine something like John Smith.
     
  20. Trembling Hand

    Trembling Hand Can be found on the bid

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    Mikii,

    The reason they are recording every thing you say is because the debt is "Statute Barred" ( do a google search.) They have no legal right to collect the debt (whether it's yours or not|) as long as you don't agree its yours. If you do it is no longer Statute Barred. BE VERY CAREFUL.

    Here is some quick details from a search I did,

    http://www.consumeraction.org.au/downloads/DoIhavetopayanolddebt.pdf

    Best thing is to correspond through a lawyer or consumer advocate via mail. Get them to send you all the details they have. Not to your home address use a lawyer even accountants biz address. Then just send them back a very short letter saying,

    this debt is statute barred. END OF STORY.
     

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