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. We've leveraged over a decade of knowledge to create meaningful progress in digital platforms that deliver for clients and the customers they support. The attached document below contains the ACCCs initiating court documents in relation to this matter. We recently heard the story of one woman whose experience with a debt collector, which dragged on for two years, was particularly gruelling. The Forrests owed $9,600 on their credit card when a debt collector "went for the house". This is a great extrinsic motivation. During weekdays, debt collectors can only contact you via the phone between 7:30am-9pm. This was the first time we used a virtual . This way you can deal with debt collectors like Panthera Finance. 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 hl7z]6x87Q.7.bY5. We offer both first and second charge mortgages, but not deals that you can only obtain by going direct to a lender. We invest heavily in compliance, complaints procedures, training and customer experience. We offer a comprehensive range of mortgage products from across the market. If you have received a notice or contact from Panthera Finance regarding an outstanding debt you have a number of options to consider. If you read the reviews online about Panthera Finance, they certainly arent good. Asked 10 February 2021. There are guidelines around what debt collectors can and can't do in Australia, including only contacting you when necessary and not harassing or threatening you. I don't know if this helps or is even that relevant, but I had the same thing this morning, for a little over 1k. An EA spokesman acknowledged a portion of the bill sent to Mr Lenzo was incorrect and said Energy Australia had withdrawn the full amount in recognition of "inconvenience caused". free barista coffees and office incentives. I found this forum with a Google search. 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. Only communicate with them in writing (and only to tell them to fudge off and stop harassing you). Simply call the Police if this happens. "But that isn't adequate.". 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. 10. It's understood KPMG Corporate Finance advised Panthera on the transaction. 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. My wife's son has received a claim from Panthera. We understand the issues that youre going through. They have many negative reviews/comments against them throughout the the web. But if you know its your debt, then we can help. Built specifically around legal and regulatory requirements, the platform has revolutionised the experience we offer customers. Why would you have a debt with Panthera Finance? 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. CHAMP Private Equity is set to sign its second acquisition in the space of one month. Bad news if you need to buy a car or house in the future. "Based on my experience it seems debt collectors do as they please, on the phone at least. 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. Hi all, I just got a messaged today from Panthera Finance that I owe them over $1k but they mentioned a different name so technically I don't really owe them anything. /Fm0 Do I can confirm that Panthera Finance is a legitimate collection agency. When not being pestered by his children,Simon enjoys Tarantino movies, being a crackshot and cooking feasts. 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. CrediBot enables businesses to give their customers the digital experience they deserve. Our 100% FREE quick phone call can help you learn more about this. In his spare time, Tom enjoys eating, spending time with family and long country walks with his cocker spaniel Elvis. Some of the nicer ones wont call you on Sundays. Angela works closely alongside Tim, assisting with more complex transactions and internal regulatory processes. It also allegedly imposed onerous requirements on these consumers to prove they didnt owe the debts which Panthera was trying to collect. In October 2018, the Federal Court ordered Equifax Australia Information Services and Solutions Pty Ltd to pay $3.5m in penalties for misleading and deceptive conduct, and unconscionable conduct in relation to credit report services. There are no consequences for selling debt that remains in dispute. Call the National Debt Helpline on 1800 007 007 for free and confidential advice. 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. It is clear something needs to change. Panthera was also ordered by the Court to pay $100,000 as a contribution to the ACCCs legal costs. Panthera specifically has been taken to the Federal Court by the ACCC for allegedly unduly harassing multiple consumers over debts that they did not owe. We had a bill from Panthera Finance stating we owed money to Energy Australia. We're here to help you on this journey, so if you have any questions or can't pay, you can call us on 1300 722 974, live chat with us, or email us at manager@pantherafinance.com.au. But these guidelines, set by the Australian Consumer and Competition Commission (ACCC) and the Australian Securities and Investments Commission (ASIC), are just that they're not legally enforceable laws. That Samantha could also be sockpuppeting, don't believe that account. It also allegedly imposed onerous requirements on these consumers to prove they didnt owe the debts which Panthera was trying to collect. Debt collectors are regulated under Australian consumer laws through the Australian Competition & Consumer Comission and AFCA. ", Not a day goes by where our financial counsellors aren't speaking to people who have been impacted by debt collectors in some way. Yes, its true. Paying off a debt is a great achievement! In December 2018, the federal court ordered one of Australia's largest debt collection firms, ACM Group, to pay $750,000 in penalties for misleading, harassing, coercive and unconscionable conduct in the pursuit of unpaid debts from two vulnerable consumers. Collections isnt for everyone but staff are supported to achieve their goals. There have been many cases of incorrect debts being assigned due to clerical errors, failed procedures or even fraud so finding out how this debt came into existence is incredibly important. 2021 Panthera Finance Group. . Fiona Guthrie, chief executive of Financial Counselling Australia, says the debt collection industry "has some good players and, sadly, some not so good players". ARL Collect is a credit recovery solutions provider, offering a range of collections options for organisations and government agencies. Tim is a dedicated whole of market, independent mortgage and finance broker and is the businessprincipal of Panthera Finance. In the latest case of allegedly unconscionable conduct to hit the debt . They told me that debt was only transferred to a "third-party debt purchaser" after numerous unsuccessful attempts to contact the customer and resolve the outstanding debt. Panthera Finance Financial Services Toowong, Queensland 1,870 followers Panthera Finance is one of Australia's largest debt buyers and collectors, committed to getting customers out of debt. This website provides general financial advice only and this advice does not take into account your particular personal or family circumstances, such as your situation, objectives and current needs. Within days of EWON's involvement, Energy Australia instructed Panthera to lift the credit default. Again, we dont charge anything upfront at all. Checked for accuracy by our qualified fact-checkers and verifiers. 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 . Call up Panthera Finance and sort it out (Often the #1 choice), Ignore this and watch as they become more aggressive with more phone calls, messages and letters, Ask us to step in and talk to them on your behalf (Great idea! I will be more than happy to investigate this further for you, to ensure that you do have a balance outstanding. Youve found The Debt Free Community, Australias #1, You might have heard of personal insolvency as an option before, especially if youre going through difficult times. The ACCC first took court action against Panthera in July 2019. Heres how you can do it. 79 0 obj <> endobj On weekends its between 9am and 9pm, even on Sundays. In one case, the ACCC alleges that Panthera used coercion, made false representations and engaged in unconscionable conduct when dealing with the consumer, even though it knew the consumer urgently needed an incorrect credit default listing removed to obtain finance for a new car. In most cases debt collection agencies will be willing to discuss payment terms to manage your cash flow, or even provide a discount for upfront payment of debt. 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 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. We will not be uploading further documents in the event these initial documents are subsequently amended. The investment is expected to fund Panthera's growth. Over the last two years around 100 people have complained to the ACCC about Panthera's debt collection activities. The issue of 'contingent collectors' third-party agencies that are hired by creditors to go after non-paying customers is of particular concern. It looks like after I disconnected the service, they sent me a bill to the property instead of to my email, and since I've had left the apartment, I couldn't have known that I got the bill. We dont ask you for money upfront, and were very nice too. endstream endobj 80 0 obj <><><>]/ON[93 0 R]/Order[]/RBGroups[]>>/OCGs[93 0 R]>>/Pages 77 0 R/Type/Catalog>> endobj 81 0 obj <>>>/Rotate 0/Type/Page>> endobj 82 0 obj <>stream Any matters raised with us are fully investigated and each case is handled with fairness, professionalism and sensitivity.". We acknowledge Aboriginal and Torres Strait Islander peoples as the First Australians and Traditional Custodians of the lands where we live, learn, and work. *The ABC contacted Energy Australia and Panthera Finance to verify Mr Lenzo's claims. Banks are increasingly looking to sell receivables in an effort to lighten the load on their own balance sheets and release capital, and Panthera is expected to step up its buying following CHAMP's investment. Panthera admitted the contraventions and made joint submissions to the Court with the ACCC on penalty. To share your thoughts or ask a question, visit the CHOICE Community forum. Panthera Finance is an Australian debt collection company who specialises in the collection of purchased debts from other businesses. The company's shares last closed at $1.11. Report. There are no promises of success nor is there a magic bullet that will instantly get you out of debt. wG xR^[ochg`>b$*~ :Eb~,m,-,Y*6X[F=3Y~d tizf6~`{v.Ng#{}}jc1X6fm;'_9 r:8q:O:8uJqnv=MmR 4 These organisations tend to focus on how much money is being recovered, not on the methods used to recover it. Something is not right here. It is of concern as it looks like it is either a scam or identity theft. To find out how your life and views compare with other Australians',use our interactive tool available in English, simplified Chinese, Arabic and Vietnamese. the debt was incurred in 2010 i had to deal with them in 2015 ( hence me requiring evidence of what was owed which they promised but never supplied), When Phil Anselmo comes to collect, youd better pay up. Your reward doesn't need to be expensive, it just needs to be . Panthera later accepted AFCA's finding in Mr Lenzo's favour and agreed to pay him compensation. Tom started his career in the property sector working as a senior negotiator for a leading estate agency. Cons. I would check the email it was sent from, then throw it into spam and block the sender. We are extremely disappointed that parts of the debt collection industry continue to disrespect consumers.. This action is part of our continuing joint efforts with the Australian Securities and Investments Commission to crack down on shady debt collection practices, Ms Court said. The deal marks a busy period for CHAMP. q I am now searching for information on the relevant ombudsman. Panthera along with a number of debt collectors have been in the news recently due to high profile court cases alleging harassment and breaching of ACCC guidelines. nQt}MA0alSx k&^>0|>_',G! ), Media Team - 1300 138 917, media@accc.gov.au, Debt collection company in court over alleged harassment, Not receiving products or services that are paid for, Receiving unrequested products or services, Problem with a product or service you bought, Unauthorised transfer of phone or internet services, Supplying products or services that are paid for, Supplying unrequested products or services, Problem with a product or service you sold, Competing fairly in professional services, Competition and anti-competitive behaviour, Collective bargaining and collective boycotts, Implementing a business compliance program, Electricity market monitoring inquiry 2018-25, Postal services price notification and monitoring, Interstate rail network access undertaking, Hunter Valley rail network access undertaking, International liner cargo shipping regulation, Telecommunications industry record keeping and reporting rules, National Broadband Network (NBN) access regulation, Non-NBN fixed line services access regulation, Superfast fixed line broadband networks regulation, Transmission services and facility access regulation, Telstra's migration of fixed line services, Regional mobile infrastructure inquiry 2022-23, Exemption from parts of the wheat port code, The development of bulk wheat exports regulation, Digital platform services inquiry 2020-2025, Retail electricity pricing inquiry 2017-2018, Feminine hygiene products price monitoring, Foreign currency conversion services inquiry, Murray-Darling Basin water markets inquiry, Residential mortgage products price inquiry, Digital platform services inquiry 2020-25, Digital advertising services inquiry report, MVIS information for data providers, repairers and RTOs, Authorisations and notifications registers, Collective bargaining notifications register, Resale price maintenance notifications register, Australian Competition & Consumer Commission, UniSA & ACCC Competition Law & Economics Workshop, Mergers & Competition Exemptions consultations, Cookies, website analytics & other website information, Industry ombudsmen and dispute resolution, ACM Group Ltd, to pay $750,000 in penalties, Equifax Australia Information Services and Solutions Pty Ltd to pay $3.5m in penalties. Laura lives in Essex with her husband and 2 young sons. Then when youre at home, youll find letters in the mail. As part of this case, the Court has suppressed the names and details of consumers affected. Why has Panthera been in the news recently? What never-ending credit card debt is doing to Australians. All communication is supported and monitored through the platform, via SMS, email, or phone call, enabling our contact centre operators to optimise the communication methods and techniques our customers prefer. 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. endstream endobj 84 0 obj <>stream The company was seeking to raise $20 million in a placement to sophisticated and professional investors via stockbroker Morgans on Wednesday. Energy Australia will not assist - they referred him to Panthera. After 13 years with Charles Cameron & Associates, he moved to Panthera Finance in late 2020. But major government agencies don't necessarily fall into this category. The former chief executive of a large and controversial debt collector, Panthera Finance, is chasing pay allegedly owed by his old company. State Mercantile is a debt recovery provider which specialises in the collection of heavily overdue and delinquent accounts. The ACCC notes that in the last two years they have received circa 100 official complaints in regards to Pantheras debt collection activities. "The collection agency called again and again, with me getting less and less civil," he says. He lives with his wife, two children and dog in Leigh-on-Sea. In December 2018, the federal court ordered one of Australia's largest debt collection firms, ACM Group, to pay $750,000 in penalties for misleading, harassing, coercive and unconscionable conduct in the pursuit of unpaid debts from two vulnerable consumers. We got into a back and forth discussion for about a year. 3. free barista coffees and office incentives. "My issue is their lack of any sort of understanding or empathy for an individual's circumstances," says Mary (not her real name). They told him to contact Panthera. "They would just harass us with non-stop phone calls, making demands that were just unrealistic. We work hard to help everyday Australians to work through the hurdles. Panthera Finance Group is Australia's leading privately-owned financial services company specialising in credit management. owners whose time is much better spent finding and completing the next job, rather than chasing up A starting point therefore would be to codify the guidelines.". This is bad news. ACM chose to fight all the way to the Federal Court before losing, and was fined $750,000. use our interactive tool available in English, simplified Chinese, Arabic and Vietnamese. If youve received a letter in the mail or SMS about some old debt with Panthera Finance, its probably from Optus, Simply Energy, AGL or Energy Australia. This service may include material from Agence France-Presse (AFP), APTN, Reuters, AAP, CNN and the BBC World Service which is copyright and cannot be reproduced. What can Panthera Finance do to collect debts. In her spare time, she is a keen Formula 1 and music fan. Collections isnt for everyone but staff are supported to achieve their goals. It was started with the aim of helping everyone in dire straits. Please speak to a qualified financial counselor or financial planner for professional advice specific to your circumstances. n3kGz=[==B0FX'+tG,}/Hh8mW2p[AiAN#8$X?AKHI{!7. Theres now greater consumer protection laws to protect the Aussie battler. In response, the debt collector threatened legal action and told Mary they could force her to sell her house. I'm not sure why this is relevant, as even if the debt had been legit, Panthera were in breach of the ACCC's debt collection guidelines which state clearly that they can call no more than three times a week. You do realise this is an quite an old thread. 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. We at CHOICE acknowledge the Gadigal people, the traditional custodians of this land on which we work, and pay our respects to the First Nations people of this country. N')].uJr Unfortunately contract law stipulates that a contract is only issued between the original two parties and can not be transferred without consent. I later emailed them with the same 'story'. You might have to go to court. Enter a valid email address (e.g. In one case in particular, the ACCC alleges that Panthera Finance used coercion, made false representations and engaged in unconscionable conduct when dealing with the consumer, even though it knew the consumer urgently needed an incorrect credit default listing removed to obtain finance for a new car. V)gB0iW8#8w8_QQj@&A)/g>'K t;\ $FZUn(4T%)0C&Zi8bxEB;PAom?W= We can point you to useful resources for managing your debt and help you understand if you may be eligible for hardship assistance. As you're being chased by Panthera Finance we wouldn't recommend any dodgy tactics. See something that's not quite right in this article? And three years later, my fight with Energy Australia and with Panthera was finally over. Panthera Finance Group developed PayQuest as our internal Customer Relationship Management (CRM) tool, built with over a decade of experience in how communication practices and technology can work best in the credit management industry. In July, Panthera was sued by the ACCC for its debt collection practices. Either way Energy Australia will not help. "I can't give you what you're asking," Mary told them. Stay informed. Less than six months later, the company was sold for $40 million. PDF 330.38 KB They called my husband at work. Common companies which will onsell bad debts owed by customers include Telcos (such as Telstra, Vodafone, Optus etc) and utilities providers (such as Origin, Energy Australia and AGL). That same year, parent company, PF Australia Pty Ltd, reported a $22.4 million profit on revenues of $58.4 million. Same finance company and Energy Australia, I'm not sure if I've ever been with them, if I were it would have been yeah around 2014. He did and Energy Australia will not assist him. I'd say your first plan of attack should be to discuss this with Energy Australia - find out if you really do owe them anything, and the details thereof. ", (The tactic is known as 'skip tracing', where debt collectors call anyone who might know the person they're after, including neighbours and employers or Facebook connections. 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. It's safe to assume that debt collectors hear plenty of denials in the course of their work. ", Read more: We care about accuracy. Or just a scam? Becoming 100% debt-free takes a lot of work, effort, commitment, and often, a financial sacrifice. Simon started his career in the Fire Service,becoming the youngest serving Fire Officer byage 21. Did your identity get stolen? 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. Theft happens sometimes, so it might be your fault at all. It is also claimed in the alternative that Panthera breached the Australian Securities and Investment Commission Act by engaging in the same conduct. So, this morning a mail has come to me from Panthera Finance asking me to pay $570 on to them for Energy Australia. With more complex transactions and internal regulatory processes old thread senior negotiator for a leading estate agency be uploading documents. Of one month it just needs to be expensive, it just needs to expensive! Options for organisations and government agencies do n't believe that account this case, the platform has revolutionised the we. Home, youll find letters in the space of one month of debts! I would check the email it was started with the ACCC for its debt industry! 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