Debt Collector Harassment after Paying Debt

mavis30551 on 07/02/2025 - 10:37

Long story short, I was with a NBN provider, didn't like the service so called up to cancel. Low and behold, didnt give enough notice - so was going to have to pay another month.

Didnt pay, they got debt collector involved. At around the same point, they charged my credit card anyway and the debt was paid (cheeky).

After this, a debt collector keeps emailing me, messaging me and sending "final notice" warnings. I even wrote them an email and got a reply from someone asking for proof I paid. Wrote a long email with screenshots of cc transaction etc and never heard back, but it was pretty obvious to me it should be settled.

A few weeks later notices start again.

Couple times a week get a text message, emails for final notices.
Annoying stuff.

Should i contact ACCC? Or just ignore.
I kind of want to escalate it cause its some BS

General Discussion

Comments

  • mavis30551 on 07/02/2025 - 10:37

    The debt is only like $150 btw

    • AustriaBargain on 07/02/2025 - 15:45

      The notices are perhaps not personalised and it is not costing them much to have their system sending them. I bet a lot of people do pay, especially when it's such a small amount.

  • sumyungguy on 07/02/2025 - 10:51

    Beware of the drop in your credit score if that matters?

  • askbargain on 07/02/2025 - 11:01

    They should be a member of AFCA

  • Trying2SaveABuck on 07/02/2025 - 11:19

    LMAO just ignore them

  • Dollar General on 07/02/2025 - 11:20
    +3

    Raise it with the ISP. If they charged your card, there is no debt and should not have sent it through to collections

  • boomramada on 07/02/2025 - 11:20
    +6

    Didnt pay, they got debt collector involved. At around the same point, they charged my credit card anyway and the debt was paid (cheeky).

    Notify your NBN Provider and tell them to clear your name off the debt collector
    You may get negative credit rating for 7 years. Check with AFCA as well.

  • Fredfloresjr on 07/02/2025 - 11:25

    Have you check their accent? The scare level depends on the accent.

    1 is not scary, 10 is the scariest. Let me know the accent and i'll rate if you ya

    • playerzer2 on 07/02/2025 - 14:26
      +1

      Depends on the accent, surely?
      Here are my ratings:
      10: Serb/Croat
      9: Romanian
      8: Hungarian
      7: Russian
      6: Lebanese
      5: Italian
      4: Greek
      3: Australian
      2: Indonesian
      1: Indian

  • Bruceflix on 07/02/2025 - 11:39
    +3

    Contact your previous internet provider. Give them one chance to retify the issue and apologise. Keep logs and transcripts, ideally keep all communications in written form ie. email or live chat.

    If, after that you hear any further, proceed to the telecommunications ombudsman and AFCA.

  • lovesabargain77 on 07/02/2025 - 11:52
    +5

    Low and behold, didnt give enough notice - so was going to have to pay another month.
    Didnt pay, they got debt collector involved. At around the same point, they charged my credit card anyway and the debt was paid (cheeky).

    The thing I find confusing in this story, is if the NBN provider already had the credit card details on file, why didn't they just debit the payment from your card on the due date? I could understand forwarding it to a debt collector if you'd deleted the credit card details from your account or if the payment failed but clearly that wasn't the case.

  • elgrande on 07/02/2025 - 11:57

    Whatever you do, document the process and the outcome and keep it handy for when everyone starts asking for advice on Ozbargain after Telstra starts looking to collect their JB voucher fees… 🤣

  • El cheepo on 07/02/2025 - 12:26

    Start sending invoices back to the debt collector claiming money for your wasted time.

    Pointless, but funny.

  • Protractor on 07/02/2025 - 12:41

    Once again proof that the whole telecom internet area is a corrupt cess pool ,with zero oversight. The ACCC will just refer you back to the rigged pro ISP wet lettuce TIO

  • Rashed on 07/02/2025 - 13:07

    maybe lock your credit report using Credit Savvy app (it will lock your credit file with all three credit agencies).

  • JIMB0 on 07/02/2025 - 15:35
    +2

    Get the bikies onto them.

    • MS Paint on 07/02/2025 - 15:43
      +1

      It's possibly bikies that purchased the debt and want to get their money back plus extra.

      • JIMB0 on 07/02/2025 - 18:10
        +1

        I would of thought they'd use a more persuasive method than text/email. Perhaps a phone call followed by a knock on the door.

  • djsweet on 08/02/2025 - 07:13
    +2

    The ISP has sold your debt to the debt collector (most likely). So they should never have charged you. If fact their charge was likely illegal since they no longer owned the debt. Theoretically you probably actually owe the debt collector and the ISP is in the wrong here. The ISP would have already been paid by the debt collector so they have double dipped.

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