25
I wish to make a complaint about the
debt collection practices of (name of
creditor or debt collector).
Example 1: A representative (name)
of your business has been ringing
me very frequently. During the last 4
weeks I have been contacted over 30
times by phone. Some of those phone
calls occurred after 9pm.
Example 2: A representative (name) of your
business rang my workplace (name of workplace)
and spoke to a co worker of mine about the debt I
owe you. Your representative asked my co worker
for personal details about me including my home
address and phone number.
Example 3: A representative (name) of your
business rang me on (date). I was told I owed a
debt and if I did not pay the debt immediately, my
possessions would be seized. I dispute owing the
debt. There is no court judgment against me that
would allow my possessions to be seized.
Example 4: A representative (name) of your business contacted
me on (date) and insisted I get a loan so I can make a lump sum
payment to pay o my debt.
This breaches the Australian Consumer and Competition
Commission and the Australian Securities and Investments
Commission’s Debt Collection Guidelines. I request that this
harassment stop immediately.
If this behaviour does not stop I reserve the right to take further
action as necessary, including making a formal complaint to ASIC
and the ACCC and/or an external dispute resolution scheme.
I request that all future correspondence about this matter be in
writing.
Yours sincerely,
____________________ [Full name]
Provide the details of your
experience of harassment
or other behaviour by the
debt collector. Include dates,
times, events and names of
people involved. See pages
10-11 to see what conduct by
a debt collector is considered
harassment.
Here are some
examples of the
unacceptable
behaviour – insert
your own details
about what
happened.