Not only do they behave in an illegal manner but do not provide any invoices or evidence of the debt that is required to be paid in full. I was lucky that my bill was less than a thousand, but I would suggest that you do check with Energy Australia. This is how, 'It's disability bullying': Mother slams Centrelink after $15,000 robodebt is sent to her intellectually disabled son, Kim Forrest and her husband got an instore credit card. Heres how you can do it. hbbd```b``"@$*0DHH ,"SDN6E$L@M``+-@ ! According to AFCA's communications manager Madison Lovell, 70 per cent of the complaints resolved by the organisation between November 2018 and early October 2019 were done so by "agreement, or in favour of complainants". All trademarks are owned by their respective owners.OzBargain is an independent community website which has no association with nor endorsement by the respective trademark owners. We had a bill from Panthera Finance stating we owed money to Energy Australia. It turned out that when I moved into my new apartment six months earlier, the wrong address had been added to my account. CHOICE supports the First Nations people's Uluru Statement from the Heart. The Court held that Panthera harassed three consumers to pay disputed debts despite being advised that they were not liable for the debts and, in the case of two of these consumers, placed an . We know the REAL answer! We got into a back and forth discussion for about a year. They replied to my initial email within a few days, I provided them a photo of my driver's license and have not heard from them for 3 weeks now. "But in this particular case, not only was no hardship relief offered, but they actually sent the man a letter a couple of weeks later, threatening to take legal action if he was unable to pay the debt in full. If the debt is in relation to a specific debt that youre aware of that is outstanding and it has been sold or now being managed by Panthera Finance, you should make contact to discuss the options. Panthera Finance is a debt collection company which buys debts off other businesses who are owed money. hVmoF++K"5]XS$Kr}qPm3$W[Vayfgyf b#Q@|/$'K TD"I'"B We will use your name, email address and contact number (personal information) to contact you about the services you have requested or respond to an enquiry you have submitted, which will require us to share your personal information with our advisers and members of staff. They must comply, and theyre not allowed to do surveillance. and they looked into the "debt" and found it was in fact paid, they instructed Panthera to cease collections activities and ever since they have left me alone. For over 15 years, we have provided affordable and flexible credit management solutions that empower customers to restore their financial health. She thinks an overhaul of the system is in order: "What we need is specific legislation covering the debt collection industry as a whole," she says. As part of the ABC'sAustralia Talks project, we are asking people to share their experiences of life in Australia. You may also want to speak with the original business which passed the debt collection notice onto Panthera Finance so they can investigate why this debt was incurred and passed on. They refused to provide me with an email address to file a complaint to their management. Stock images:Getty, unless otherwise stated. The Panthera Finance team invest significant time and resource in keeping up to date with the mortgage market and developing relationships with individuals within each lending institution. ( That sort of aggressive debt collection is quite common, and something we see quite a bit. We can help, and we want to help! 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Our 100% FREE quick phone call can help you learn more about this. Instead they sold my "debt" to Panthera Finance. In the latest case of allegedly unconscionable conduct to hit the debt . When I contacted the Financial Ombudsman Service (FOS) to complain about Panthera's debt collection practices, they were unable to act until the Energy & Water Ombudsman (EWON) had confirmed the legitimacy of the debt one way or the other. Here she gained vast experience in working with high net worth and ultra high net worth clients to assist in delivering for their mortgage and structured finance needs. The debt is yours (via a contract you had with the original company). Enter a valid email address (e.g. if(typeof ez_ad_units != 'undefined'){ez_ad_units.push([[300,250],'thedebtfreecommunity_com_au-large-mobile-banner-1','ezslot_12',133,'0','0'])};__ez_fad_position('div-gpt-ad-thedebtfreecommunity_com_au-large-mobile-banner-1-0');if(typeof ez_ad_units != 'undefined'){ez_ad_units.push([[300,250],'thedebtfreecommunity_com_au-large-mobile-banner-1','ezslot_13',133,'0','1'])};__ez_fad_position('div-gpt-ad-thedebtfreecommunity_com_au-large-mobile-banner-1-0_1'); .large-mobile-banner-1-multi-133{border:none !important;display:block !important;float:none !important;line-height:0px;margin-bottom:7px !important;margin-left:auto !important;margin-right:auto !important;margin-top:7px !important;max-width:100% !important;min-height:250px;padding:0;text-align:center !important;}. Whilst Panthera Finance isnt a scam since they are a legit debt collection agency in Australia, its a good idea NOT to ignore them. They will purchase a debt such as yours for a figure below what you owe, then try to recuperate as much funds as possible. Is this debt collection real? At Panthera Finance Group, we integrate financial services with digital-first, data-driven solutions. staff are welcoming and inclusive. *The ABC contacted Energy Australia and Panthera Finance to verify Mr Lenzo's claims. "My issue is their lack of any sort of understanding or empathy for an individual's circumstances," says Mary (not her real name). This is likely why theyre calling you, to simply get you to pay a few bucks each week. Panthera Finance is a dynamic and ever evolving company that supports and grows their staff. Scammers are impersonating Panthera and are trying to trick you. Stay informed. There are some smaller companies which are just rogues, but there are also some larger ones that financial counsellors continue to say are hard to deal with, for example, in not recognising family violence or not negotiating affordable hardship arrangements. Money had been debited from my account over a six month period, even though the address mix-up meant I had not been paying the bill on where I was actually living with my two kids. Thanks - I tried Energy Australia - they are no help. AEST = Australian Eastern Standard Time which is 10 hours ahead of GMT (Greenwich Mean Time), abc.net.au/news/i-never-thought-i-would-end-up-being-chased-by-debt-collectors/11685450, Get breaking news alerts directly to your phone with our app, Help keep family & friends informed by sharing this article, Debt collectors are bankrupting Australians, Child abuser superannuation loophole to be closed by federal government, 'Starved' national galleries and museums hopeful of May budget cash lifeline, Ukraine's interior minister among 14 dead after helicopter crashes near kindergarten outside Kyiv, Teenage boys in custody after reports of gun shots in Queensland's Western Downs spark emergency declaration, Passengers heard 'bang' as Qantas flight crossed the Pacific, pilot issued mayday call, Unheralded Aussie steals the show with freakish moment at Australian Open, Thanasi Kokkinakis sets up clash with Andy Murray after marathon delay, Church of England bishops refuse to allow same-sex marriages after years of debate, Days after deadly Yeti Airlines crash, grieving families wait for Nepalese authorities to return the bodies, in breach of the ACCC's debt collection guidelines, ongoing harassment of a care facility resident. Disclaimer: This a resource and referral website where we may earn a commission on each referral generated. 0 We want to warn all debt collection agencies that the kind of conduct alleged in this case is not acceptable and will be the subject of further enforcement action against other businesses if necessary, Ms Court said. use our interactive tool available in English, simplified Chinese, Arabic and Vietnamese. We acknowledge Aboriginal and Torres Strait Islander peoples as the First Australians and Traditional Custodians of the lands where we live, learn, and work. Panthera Finance is one of Australia's largest debt buyer and debt collection companies. 10 online scams you need to know about. It is also claimed in the alternative that Panthera breached the Australian Securities and Investment Commission Act by engaging in the same conduct. if(typeof ez_ad_units != 'undefined'){ez_ad_units.push([[250,250],'thedebtfreecommunity_com_au-box-4','ezslot_1',126,'0','0'])};__ez_fad_position('div-gpt-ad-thedebtfreecommunity_com_au-box-4-0');Some of these debt collection tactics are purely dodgy. Witness B and his financial advisor, informed Panthera on at least three occasions in the period 20 January 2017 to 4 April 2017 that Witness B was not liable for the Telstra Debt, and that Witness B believed the Telstra account was created 10. We've leveraged over a decade of knowledge to create meaningful progress in digital platforms that deliver for clients and the customers they support. Working in partnership with Equifax, CrediBot has three platform offerings created for unique business requirements CrediBot Express, CrediBot and CrediBot Enterprise. During weekdays, debt collectors can only contact you via the phone between 7:30am-9pm. Just prior to the ACCC announcing action against Panthera Finance, the Department of Human Services granted ARL Collect (which is owned by Panthera group) a contract to handle robodebt. Skipadee2 3 yr. ago. In July, Panthera was sued by the ACCC for its debt collection practices. Find out more about fact-checking at CHOICE. Hi guys I'm a financial counsellor don't forget overdue accounts and amounts owing become statute barred after 6 years and only 3 years in the NT and ACT so be careful if its an old bill. the last one. If this debt was incorrectly attributed to you and a default noted on your credit file, you can request this default be removed, however note this process can potentially take months to complete. Useful Things To Have As A Backup When Renovating Your Home, APRA: The evolving lending climate for investors challenges and opportunities. This includes those in Melbourne, Sydney, Brisbane, Perth and Adelaide. Should I call those Panthera Finance company tomorrow and explain this? Panthera issued a default credit listing against my name, even though they were aware the debt was disputed. For context, ASX-listed factoring company Scottish Pacific had $100.4 million net revenue and $25.3 million net profit in the 2017 financial year. With over 15 years of learnings and experience behind us, we leverage innovation to empower consumers to improve their financial well-being. In this guide, were going to talk about what is personal insolvency and the differences it has when compared to other, Did you know that lenders do provide better home loan rates where you can refinance your mortgage with bad credit? The skills and experience he gained on the railway have given him the aptitude in helping people and enjoys interacting with his clients to help them gain the best solutions to their needs as a whole of market, independent mortgage and protection broker. 79 0 obj <> endobj Are you able to send me an email with your account information to help@energyaustralia.com.au or alternatively you can contact us on 133 466 to discuss further. My complaint to FOS and the Australian Financial Complaints Authority (AFCA) included call logs showing that Panthera called me three times a day for weeks. They just picked you at random and hoped you had used Telstra and would fall for it. They told him to contact Panthera. This is great news, however, debt collectors are still out to get you. Over the last two years around 100 people have complained to the ACCC about Pantheras debt collection activities. Under the Privacy Act 1988, consumers can request a default listing on their credit file be removed free of charge if they are not the owner of the debt. When they reverse a default listing, they don't let those same organisations that have an alert on you for a negative ding know that the default has been reversed. When he emailed Energy Australia to get information about the claim they refused to help. Suddenly, I had become one of thousands of Australians each year who are faced with a disputed debt. q It is of concern as it looks like it is either a scam or identity theft. But a few weeks later I received a bill for about $1,900. Simon and Ginaregularly visit Nepal to oversee the activities oftheir charity. Purchasing a debt means the ownership, and legal right and interest of the debt, is transferred to Panthera. @Baysew: We tried the email - they would not provide any information. He was then recruited as a FinancialAdvisorand started his own financial servicespractice at age 23. Reward yourself. Follow the topics, people and companies that matter to you. I know this is an old post but would like to put my experience on here. How to Avoid Debt Collectors in Australia [2021 Guide], What is Personal Insolvency? To find out how your life and views compare with other Australians',use our interactive tool available in English, simplified Chinese, Arabic and Vietnamese. Continue Reading More by The Debt-Free Community, Read this to STOP debt collectors in Australia from contacting you now! Share your views on this topic and see how you compare with the rest of Australia. Energy Australia will not assist - they referred him to Panthera. You should try that. wG xR^[ochg`>b$*~ :Eb~,m,-,Y*6X[F=3Y~d tizf6~`{v.Ng#{}}jc1X6fm;'_9 r:8q:O:8uJqnv=MmR 4 nQt}MA0alSx k&^>0|>_',G! Fortunately, the Melbourne-based consumer rights organisation Consumer Action got involved, and Mary was able to settle her debt for about half of what the debt collector had demanded. Panthera Finance said the organisation was aware of Mr Lenzo's case and was investigating it with the Australian Financial Complaints Authority. Recently I have received another letter about the same account, I rang them this time at first with some choice words and demanding that I never had this account. When not being pestered by his children,Simon enjoys Tarantino movies, being a crackshot and cooking feasts. Whats most important to us is helping you sleep at night so you can get on with your life. Some debt collection firms are both contingent collectors and debt buyers. The Court also ruled that Panthera misled one of the consumers by telling them they needed to pay Panthera $100 to have a default listing removed from their credit file, even though the credit default listing was incorrect and could have been removed for free under the Privacy Act. (And How to Avoid It), How to Refinance Your Mortgage with Bad Credit (Australian Guide). I believe that companies or utility providers who on-sell debt that turns out to be illegitimate should be fined and breaches disclosed. The Federal Court has ordered that Panthera Finance Pty Ltd pay $500,000 in penalties for unduly harassing three consumers over debts they did not owe and for misleading one of the three consumers. "What we rely on at the moment are a set of guidelines that have been put out by the ACCC and ASIC. Get the inside story on our investigations into consumer rip-offs and bad business practices. I recently dealt with them due a supposed debt from AGL from 2006.. yes 2006. Panthera's parent company, PF Australia Pty Ltd, reported $58.4 million revenue and $22.4 million profit in the year to June 30 according to accounts filed with the corporate regulator, and $51.5 million revenue and $23.8 million profit one year earlier. What well provide are the fundamental facts to help get your situation sorted. Either way Energy Australia will not help. We offer a comprehensive range of mortgage products from across the market. But what? Consumer advocates say the case highlights an alarming trend. Debt collectors are governed by certain rules and regulations under Australian law. hl7z]6x87Q.7.bY5. Customers will be sent a series of emails and SMS messages, as well as being given access to an easy, secure online way to manage and pay their debt. ARL Collect was acquired by PF Group Holdings Pty Ltd in 2018. Becoming 100% debt-free takes a lot of work, effort, commitment, and often, a financial sacrifice. When do debt collectors give up? For further information on how your information is used, including disclosure to third parties, how we maintain security of your information and your rights in relation to the information we hold about you, please see ourPrivacy Policy. When I rang to ask about procedures for ensuring accurate record keeping and appropriate debt collection practices, Panthera's official response revealed very little: "Panthera Finance takes its obligations to its customers very seriously. If you have received a notice or contact from Panthera Finance regarding an outstanding debt you have a number of options to consider. %PDF-1.6 % 91 0 obj <>/Filter/FlateDecode/ID[<67EC803A3CDD1DE50B064399B9D73164>]/Index[79 34]/Info 78 0 R/Length 79/Prev 337865/Root 80 0 R/Size 113/Type/XRef/W[1 3 1]>>stream ). The firm agreed to pay about $170 million for infrastructure project supplies company Jaybro only last month, which was its fifth deal in the firm's "CHAMP IV" buyout fund. Within days of EWON's involvement, Energy Australia instructed Panthera to lift the credit default. There are no consequences for selling debt that remains in dispute. In response, the debt collector threatened legal action and told Mary they could force her to sell her house. You dont want this tarnished, as a bad mark will last 5+ years. Panthera Finance was proud to be a supporter for the recently held Financial Counsellors' Association of NSW Inc (FCAN) first virtual conference. In July 2018, ACM Group Limited, another collections firm, was fined $750,000 for actions including, "ongoing harassment of a care facility resident who had difficulty communicating after suffering multiple strokes". What never-ending credit card debt is doing to Australians. After a long and middling rugby playing career, Jamie now prefers to watch others playing the game from the comfort of the sofa, and is an avid pub quizzer. ACCC v Panthera Finance Pty Ltd They can only contact you between 7:30am and 9pm on weekdays. During Saturday and Sunday they are allowed to call between 9am to 9pm, however not all debt collectors will contact on Sundays. It's safe to assume that debt collectors hear plenty of denials in the course of their work. Cant Pay My Debt: Heres the BEST solution! 2022 Panthera Finance LLP. Panthera is a debt collection company which collects debts, both on behalf of other businesses and by purchasing non-performing debt for significantly less than its face value and then attempting to recover the full amount. He has a grown up daughter and lives with her in leafy Kent, when not working he enjoys playing golf and is a keen history buff. Laura lives in Essex with her husband and 2 young sons. The contingent collectors issue "has probably been magnified with more telcos and energy companies outsourcing their debt collection," Guthrie says. What can Panthera Finance do to collect debts. Then when youre at home, youll find letters in the mail. N')].uJr Panthera is one of Australias largest debt collection companies, with several brands under them including DIY/automated options for small to medium businesses, mortgage broking and personal/asset finance business arms. Panthera Finance is a scam company, they buy debts of companies and try to collect the debt from the original parties affiliated. If you want additional piece of mind, call them up. Born and raised in Scotland, Jamie studied Spanish and Politics at Newcastle University and spent time living in Mexico before moving to London to embark on a career in mortgages in 2007. Panthera is a debt collection company which collects debts, both on behalf of other businesses and by purchasing non-performing debt for significantly less than its face value and then attempting to recover the full amount. The company's shares last closed at $1.11. 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