Debt Collector Contact Rules

Summary

Debt collectors in Victoria cannot repeatedly contact third parties or pressure them to relay messages. Misleading claims about contracts are prohibited. Contact Consumer Affairs Victoria or the Australian Financial Complaints Authority for guidance on harassment or misleading conduct by debt collectors.

Full Conversation

Is it legal for a debt collector to contact my father third-party non debtor more than once despite no answer
In Victoria, debt collectors are generally not allowed to repeatedly contact third parties, such as family members, unless they are seeking location information. Here are some key points:
- Debt collectors can only contact third parties to confirm location details.
- They cannot discuss the debt with anyone other than the debtor.
- Repeated contact without a response may be considered harassment.
If this continues, you might consider contacting the Australian Financial Complaints Authority or Consumer Affairs Victoria for assistance.
And what about them ring my brother and telling him to make me ring them
In Victoria, debt collectors should not contact third parties, like your brother, to pressure you into contacting them. This could be considered harassment. If you feel uncomfortable, you can report this behavior to Consumer Affairs Victoria or the Australian Financial Complaints Authority for guidance.
Also is it legal for pioneer Credit to use there own and operated legal company sphere legal to send me a letter that states i have a contract with pioneer credit even i have never agreed to anything with them and there was no mention of the original lender
Case Rating: *
In Victoria, debt collectors and their legal representatives must adhere to strict guidelines. If you haven't agreed to a contract with Pioneer Credit, they should not claim you have one without evidence. For concerns about misleading conduct, you can contact Consumer Affairs Victoria or the Australian Financial Complaints Authority for further advice.
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