Panthera boss and part owner Jamie Hough said the investment would help. "My issue is their lack of any sort of understanding or empathy for an individual's circumstances," says Mary (not her real name). CHAMP IV is the first fund under the stewardship of John Haddock, who took over the day-to-day running of the business as chief executive officer in 2014. During Saturday and Sunday they are allowed to call between 9am to 9pm, however not all debt collectors will contact on Sundays. 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. Panthera Finance has an exponential growth story and has established itself as the second largest PDL acquirer in the Australian market. Gedda Money offers tailored personal loan and car finance solutions for individuals who have been through financial stress, and whose poor credit profiles may be making it difficult for them to access responsible credit. Panthera Finance has purchased more than $5.5 billion in receivables from banks, telcos, utilities and the like. Panthera Finance LLP is fiercely independent and takes great pride in offering the mortgage that is best for you We operate with total clarity throughout the buying process to deliver a fast and totally reliable service Guiding you home through a personal relationship with one of our team of experienced pro-active brokers 2022 Panthera Finance LLP. They can only contact you between 7:30am and 9pm on weekdays. Theft happens sometimes, so it might be your fault at all. Robert Rough. Follow the topics, people and companies that matter to you. We've leveraged over a decade of knowledge to create meaningful progress in digital platforms that deliver for clients and the customers they support. But I had no other debt. Don't forget to celebrate the small wins along the way. Bad news if you need to buy a car or house in the future. w(Wg8aFV4K bW@H3=|MmV(@ AZ What can Panthera Finance do to collect debts. Those letters, text messages and phone calls can be stopped within days. Over an 18-month period, Panthera at first refused to communicate in writing, and instead called me up to three times a day for weeks on end. State Mercantile is a debt recovery provider which specialises in the collection of heavily overdue and delinquent accounts. 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;}. Now we know its not ideal to have a bad credit rating. Purchasing a debt means the ownership, and legal right and interest of the debt, is transferred to Panthera. There are no promises of success nor is there a magic bullet that will instantly get you out of debt. 10. hb```f``"Y@9> 9%)gd x Y^]#'x6]( X Y@ENcd0u Panthera Finance is Australias largest privately-owned debt ledger acquisition and debt collection company. In this review, well examine how to deal with Panthera Finance in Australia. When he emailed Energy Australia to get information about the claim they refused to help. This is a great extrinsic motivation. If you have been contacted by Panthera Finance regarding a debt which was legitimately accrued through a third party and sold to Panthera, you will need to now speak with and negotiate a payment plan with Panthera. Were the good guys. The Panthera case is just one example. Panthera Finance is a debt collection company which buys debts off other businesses who are owed money. 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. Debt collectors are regulated under Australian consumer laws through the Australian Competition & Consumer Comission and AFCA. 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 incorrect default listing on their credit rating files. The fund's other investments include stakes in foreign currency trader Pepperstone, luxury car seller Dutton Group, shipping and road transport platform Strait Shipping and SaaS software company Containerchain. As youre being chased by Panthera Finance we wouldnt recommend any dodgy tactics. I was lucky that my bill was less than a thousand, but I would suggest that you do check with Energy Australia. Panthera did not issue you with an outstanding amount. $D ='D|)@pjB p+`A(@$qRad2$aB,DIP@6NkrNUO8.W( %Ef8*:'J8 Br$nLtz7^+ `- W56AMUnso zn&*3lAYuSYyo!eD^Mtup#6!2 Share your views on this topic and see how you compare with the rest of Australia. We recently heard the story of one woman whose experience with a debt collector, which dragged on for two years, was particularly gruelling. The investment is expected to fund Panthera's growth. Those letters, text messages and phone calls can be stopped within days. 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. hVmoF++K"5]XS$Kr}qPm3$W[Vayfgyf b#Q@|/$'K TD"I'"B PDF 330.38 KB ACM chose to fight all the way to the Federal Court before losing, and was fined $750,000. Theres now greater consumer protection laws to protect the Aussie battler. Cons. And when contacted Energy Australi refuses to assist by providing any information. ", Read more: When not being pestered by his children,Simon enjoys Tarantino movies, being a crackshot and cooking feasts. name@example.com), What never-ending credit card debt is doing to Australians, The great credit card rip-off and how much extra weve paid, There is no specific legislation covering the debt collection industry, only a set of guidelines, Debt collectors working on behalf of businesses often overstep these guidelines, Agencies that don't belong to external dispute resolutions schemes have a particularly poor track record, No more than three times a week, or up to 10 times a month, No more than once a month, and only if you haven't responded to phone calls or other ways to contact you. We can help sort it out for you, so you dont have to pick up the phone. Suddenly, I had become one of thousands of Australians each year who are faced with a disputed debt. 79 0 obj <> endobj We understand the issues that youre going through. If you read the reviews online about Panthera Finance, they certainly arent good. Every payment is a win and guiding you to a debt-free life. Energy Australia claimed the bill was issued because I had been undercharged at my previous address. 2y.-;!KZ ^i"L0- @8(r;q7Ly&Qq4j|9 Get the latest product reviews, money-saving tips and more. This is great news, however, debt collectors are still out to get you. I didn't do anything to engage them or fail to fulfil an obligation, yet Panthera Finance forced me to deal with them because of their constant contact. There are no consequences for selling debt that remains in dispute. ACCC v Panthera Finance Pty Ltd 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. Checked for accuracy by our qualified fact-checkers and verifiers. Angela joined Panthera Finance after over 14 years working in Private Banking where she acquired her CeMAP qualification and was involved with all stages of lending requirements, from drafting bespoke offer letters to final release of funds. My wife's son has received a claim from Panthera. You might have to go to court. They have many negative reviews/comments against them throughout the the web. You don't regain the capital to which you lost access. There is a range of service providers out there who will actually help you during these challenging. 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. Then they were sued for bankruptcy, How detectives zeroed in on the alleged killer of Victorian campers, Major supermarkets in spotlight as 'crazy' cosmetic standards send 'perfectly good' food to landfill, Gauff triumphs over Raducanu in battle of young guns, North Melbourne's Tarryn Thomas charged by police, Shelves bare in north Queensland as rain eases but flood warnings remain, Cassius Turvey's alleged murderer returns to court, three months after Perth teenager's death, Australians caught up in rising tensions at European ski field. 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. Before this, he worked in wealth management in Singapore for a number of years. Help using this website - Accessibility statement. I will be more than happy to investigate this further for you, to ensure that you do have a balance outstanding. How has Panthera Finance responded to the COVID-19 outbreak? free barista coffees and office incentives. 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. That Samantha could also be sockpuppeting, don't believe that account. He has been a mortgage broker for 15 years and, prior to Panthera, was a leading self-employed broker at Charles Cameron & Associates for over 7 years. Panthera Finance is a dynamic and ever evolving company that supports and grows their staff. If they come to your door, you can politely ask them to leave at any time. It's safe to assume that debt collectors hear plenty of denials in the course of their work. See something that's not quite right in this article? ARL Collect was acquired by PF Group Holdings Pty Ltd in 2018. ", Read more: As it stands, the originator of a "debt", such as utilities companies or banks, and the funder of purchasing that debt (including venture capitalists), both get to profit from the systemic and aggressive actions of a very profitable debt collector. 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. We offer a comprehensive range of mortgage products from across the market. The company was seeking to raise $20 million in a placement to sophisticated and professional investors via stockbroker Morgans on Wednesday. Your reward doesn't need to be expensive, it just needs to be . CrediBot enables businesses to give their customers the digital experience they deserve. Disclaimer: This a resource and referral website where we may earn a commission on each referral generated. I have spent many hours considering that question as I have negotiated my own unfair debt nightmare. 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. ARL Collect is a credit recovery solutions provider, offering a range of collections options for organisations and government agencies. Copyright 2006-2023 OzBargain ABN: 26 144 073 772, Mysterious Outstanding Bill Notification From Panthera Finance, numerous complaints about them on the net. Simon started his career in the Fire Service,becoming the youngest serving Fire Officer byage 21. 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. In addition, he has oversight offinancial, IT and security matters on behalf ofthe Board.Robin has held his current role for 7 years andpreviously worked at St. Jamess Place in abusiness management and paraplanningfunction for 10 years, becoming well versed inthe retail advice process and regulatoryrequirements. Why would you have a debt with Panthera Finance? Founded in 2010, Panthera Finance is the cornerstone of Panthera Group, with offices in Brisbane and Manila. Then when youre at home, youll find letters in the mail. 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. 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. This way you can deal with debt collectors like Panthera Finance. 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. On weekends its between 9am and 9pm, even on Sundays. Theyll sometimes call you on different numbers every single day. 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. Force them to prove that: 1. 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. the last one. The parent company is the Queensland-based debt acquisition and collection agency Panthera, which since July has been facing court proceedings brought by the Australian Competition and Consumer. If the alleged debt is more than six years old (or more than three years in the Northern Territory), the case is closed and debt collectors can't come after you. When the mistake was identified, my gas was reconnected and the address details were corrected. 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. We acknowledge Aboriginal and Torres Strait Islander peoples as the First Australians and Traditional Custodians of the lands where we live, learn, and work. I'll skip steps 2 and 3 here, 'cause it ain't your debt. This is very concerning, given all of these organisations are dealing with people who are often in vulnerable circumstances. endstream endobj 83 0 obj <>stream Ask us to step in! Our team talks to people like you every single day. Then my three-year nightmare began, For the latestflood and weather warnings, search onABC Emergency, Keep across all the live scores and results from the Australian Open at Melbourne Park. 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. In December 2018, the Federal Court ordered one of Australias largest debt collection firms, ACM Group Ltd, to pay $750,000 in penalties for ACMs misleading, harassing, coercive and unconscionable pursuit of underpaid debts from two vulnerable consumers. HyTSwoc [5laQIBHADED2mtFOE.c}088GNg9w '0 Jb Should I call those Panthera Finance company tomorrow and explain this? It's harmless scam mail if you don't fall for it. Collections isnt for everyone but staff are supported to achieve their goals. It often violates the guidelines, since debt collectors aren't supposed to discuss the debt with anyone but the debtor.). 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. 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. Did your identity get stolen? Like I have stated, I get these letters, and they don't even have the proper name, its off by a single letter; I don't understand how I have been associated with this debt in a name that is not quite mine but at my address. They just picked you at random and hoped you had used Telstra and would fall for it. Once you've repaid the full amount. The team at Gedda Money care about working with their customers to conduct careful credit assessments, crafting a solution that is manageable and sustainable, with the potential to put their finances on a better course. 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. Something is not right here. It also allegedly imposed onerous requirements on these consumers to prove they didnt owe the debts which Panthera was trying to collect. 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. 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. And, there seems to be no reason for them to change their ways. (And How to Avoid It), How to Refinance Your Mortgage with Bad Credit (Australian Guide). 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. Certain debt collection agencies will have specialised contracts with certain institutions to handle all of their debt collection requirements. As far as I remember, I haven't used Energy Australia since 2014, and I've moved places several times since then. You do realise this is an quite an old thread. 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 Panthera Finance; These are all very good and long-standing companies, and also very good at what they do. 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. "Based on my experience it seems debt collectors do as they please, on the phone at least. Some of the nicer ones wont call you on Sundays. ", (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. 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. That same year, parent company, PF Australia Pty Ltd, reported a $22.4 million profit on revenues of $58.4 million. Designed specifically for the needs of SMEs who cant afford a collections or finance team, the Bill Chaser online platform enables businesses to load the debts they are owed in a simple, intuitive way. hbbd```b``"@$*0DHH ,"SDN6E$L@M``+-@ ! 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. They hope that youll pick up the phone. Fantastic culture with great office perks and incentives. (Debt buyers, on the other hand, buy debt from creditors at a significant discount and attempt to recover the full amount. Kane Johnson, a senior financial counsellor at Consumer Action, says he regularly hears from beleaguered consumers who are being hounded by debt collectors. 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