Alliance Factoring Problem Class Action

Despite some comments made by people in relation to paying out the
Telstra Debts instead of whining about it, here is what happened to me.
It shows that there is a fundamental flaw with the way that Consumer
Credit Files work:

-Back in 2001, an employer of mine at the time wanted to move into a
unit that I was renting. I agreed and moved out, calling Telstra to
disconnect the telephone. My boss then rang them back up, gave them my
details, and had the disconnection cancelled.

In 2005, I received for the first time ever, despite a previous dealing
with Alliance Factoring where they had my correct address, a copy of my
credit file, and on the credit file was a $12,000 debt listed with AF.
Now, prior to this, AF had plenty of opportunity to contact me, as I had
a small debt which I had paid promptly. Yet, this listing was made with
no demands prior to the listing.

From 2005, I have fought AF tooth and nail, trying to convince them
that it was not, in fact, my debt. I did the following:

1) provided them with a statement regarding how this occured
2) tracked down my ex boss and got a statutory declaration signed where
he ADMITS to pretending to be me in order to run up the bill
3) went over all the details at least 40 times with different operators
from AF, who all said they would look into it, but never did

I have received harrassing telephone calls, where AF have even admitted
that they had called me more than 4 times a week (breach of the consumer
credit code), I have been hospitalised once with serious heart problems
because of the ongoing harrassment, and I have even been told in no
uncertain terms that AF does not care about the details, all they care
about is getting their money! This came from AF customer service
management.

In the end, I finally managed to force AF to investigate the matter
properly, and then they told me they could do nothing because Telstra
had all of the details. So, I contacted Telstra and put my case
forward to their Corporate Fraud Unit (otherwise known as Telstra
Control Group).

Finally! Telstra started an investigation, despite that they had
assigned the debt to AF, and lo and behold, they ruled in my favour and
had the debt removed from their system and advised me that they would
ensure it was removed from my credit file.

A few days later, AF advised that THEY had investigated the matter, and
that THEY had decided to remove the listing. Then they advised me that
they had advised Veda (who used to be called Baycorp Advantage) to
remove the listing on the 22nd Feb 2007.

I contacted Veda on the 26th Feb 2007, and they told me that they had
received NO instructions from AF. So, back to AF, who assured me that
Veda was 'lying' and that they had advised them as required. Back and
forth for a while until today, where Veda advised that it wasn't until
yesterday (27th Feb) that AF advised them to remove the debt. Veda
Advantage outrightly said that Alliance Factoring had lied.

So, after more than a year of fighting tooth and nail to get a listing
removed, it finally has been.-

I urge anyone who has been a victim of identity theft, of listings on
their credit file without having been asked for the money first, or
harrassment from Alliance Factoring, to band together and provide a
united front to ensure that our kids don't have to go through the same
thing as us.

Why on earth the same company that held the credit files AND pursued
debts was EVER allowed to form, I don't know. They say things have
changed, but I know it's still the same people behind the companies as
it was then, only the names have changed.

I am about to commence legal proceedings against Alliance Factoring for
harrassment, breaches of the consumer credit code, and a couple of other
(non-disclosed) matters. And as AF once said to me, it's nothing
personal... just business.


--
communicate

---

› See More: Alliance Factoring Problem Class Action

communicate <[email protected]> wrote:

> Despite some comments made by people in relation to paying
> out the Telstra Debts instead of whining about it, here is what
> happened to me. It shows that there is a fundamental flaw
> with the way that Consumer Credit Files work:

Or how they deal with frauds like you, anyway...

> -Back in 2001, an employer of mine at the time wanted to move
> into a unit that I was renting. I agreed and moved out, calling
> Telstra to disconnect the telephone. My boss then rang them back
> up, gave them my details, and had the disconnection cancelled.

They clearly arent actually stupid enough to buy that pathetic excuse for bull****.

> In 2005, I received for the first time ever, despite a previous
> dealing with Alliance Factoring where they had my correct address,
> a copy of my credit file, and on the credit file was a $12,000 debt
> listed with AF. Now, prior to this, AF had plenty of opportunity to
> contact me, as I had a small debt which I had paid promptly.

They dont need to 'contact' you at all until the debt becomes theirs.

> Yet, this listing was made with no demands prior to the listing.

Easy to claim.

> From 2005, I have fought AF tooth and nail, trying
> to convince them that it was not, in fact, my debt.

And they clearly werent silly enough to buy it.

> I did the following:

> 1) provided them with a statement regarding how this occured

Worthless if you were doing a fraud.

> 2) tracked down my ex boss and got a statutory declaration signed
> where he ADMITS to pretending to be me in order to run up the bill

Worthless if you were doing a fraud. Thats easy to fake and the
problem would have gone away if he had paid what was owed anyway.

> 3) went over all the details at least 40 times with different operators
> from AF, who all said they would look into it, but never did

Or they did and decided that you were attempting a fraud.

> I have received harrassing telephone calls, where AF
> have even admitted that they had called me more than
> 4 times a week (breach of the consumer credit code),

No it isnt. And they dont have to abide by the code anyway.

> I have been hospitalised once with serious heart
> problems because of the ongoing harrassment,

No one is gunna buy that lie.

> and I have even been told in no uncertain terms that AF does not
> care about the details, all they care about is getting their money!
> This came from AF customer service management.

Thats just another way of telling you that they arent buying your lies.

> In the end, I finally managed to force AF to investigate the matter properly,

No you didnt.

> and then they told me they could do nothing because Telstra had all of
> the details. So, I contacted Telstra and put my case forward to their
> Corporate Fraud Unit (otherwise known as Telstra Control Group).

> Finally! Telstra started an investigation, despite that they had
> assigned the debt to AF, and lo and behold, they ruled in my
> favour and had the debt removed from their system and advised
> me that they would ensure it was removed from my credit file.

Easy to claim. No one with any sense would actually believe you.

> A few days later, AF advised that THEY had investigated the matter,
> and that THEY had decided to remove the listing. Then they advised
> me that they had advised Veda (who used to be called Baycorp
> Advantage) to remove the listing on the 22nd Feb 2007.

> I contacted Veda on the 26th Feb 2007, and they told me that they
> had received NO instructions from AF. So, back to AF, who assured
> me that Veda was 'lying' and that they had advised them as required.

No one would say that.

> Back and forth for a while until today, where Veda advised that it wasn't
> until yesterday (27th Feb) that AF advised them to remove the debt.
> Veda Advantage outrightly said that Alliance Factoring had lied.

Dont believe that either.

> So, after more than a year of fighting tooth and
> nail to get a listing removed, it finally has been.-

> I urge anyone who has been a victim of identity theft, of listings on their
> credit file without having been asked for the money first, or harrassment
> from Alliance Factoring, to band together and provide a united front to
> ensure that our kids don't have to go through the same thing as us.

Taint gunna happen.

> Why on earth the same company that held the credit files AND
> pursued debts was EVER allowed to form, I don't know.

Your problem.

> They say things have changed, but I know it's still the same people
> behind the companies as it was then, only the names have changed.

Your problem.

> I am about to commence legal proceedings against Alliance
> Factoring for harrassment, breaches of the consumer credit
> code, and a couple of other (non-disclosed) matters.

You're lying, again.

> And as AF once said to me, it's nothing personal... just business.

Pathetic.

Your statements I think will now get you in some hot water. You have
now accused me of being a fraud, in a public forum, so, I am now
contacting the webmaster of this forum and advising him of your
statement in relation to calling me a fraud. As my account with
phorums.com.au has enough information to identify me, especially as I
am in the IT industry and my email is public knowledge, your reply is
considered libel.

I would expect that your posts will be removed, you will be banned from
this forum, and solicitors will be contacting you.

I also somewhat suspect that you work for a debt collection agency so
it will not be too hard to identify YOU.


--
communicate

Rod Speed Wrote:
> communicate <[email protected]> wrote:
>
> > Despite some comments made by people in relation to paying
> > out the Telstra Debts instead of whining about it, here is what
> > happened to me. It shows that there is a fundamental flaw
> > with the way that Consumer Credit Files work:
>
> Or how they deal with frauds like you, anyway...
>
> > -Back in 2001, an employer of mine at the time wanted to move
> > into a unit that I was renting. I agreed and moved out, calling
> > Telstra to disconnect the telephone. My boss then rang them back
> > up, gave them my details, and had the disconnection cancelled.
>
> They clearly arent actually stupid enough to buy that pathetic excuse
> for bull****.
>
> > In 2005, I received for the first time ever, despite a previous
> > dealing with Alliance Factoring where they had my correct address,
> > a copy of my credit file, and on the credit file was a $12,000 debt
> > listed with AF. Now, prior to this, AF had plenty of opportunity to
> > contact me, as I had a small debt which I had paid promptly.
>
> They dont need to 'contact' you at all until the debt becomes theirs.
>
> > Yet, this listing was made with no demands prior to the listing.
>
> Easy to claim.
>
> > From 2005, I have fought AF tooth and nail, trying
> > to convince them that it was not, in fact, my debt.
>
> And they clearly werent silly enough to buy it.
>
> > I did the following:
>
> > 1) provided them with a statement regarding how this occured
>
> Worthless if you were doing a fraud.
>
> > 2) tracked down my ex boss and got a statutory declaration signed
> > where he ADMITS to pretending to be me in order to run up the bill
>
> Worthless if you were doing a fraud. Thats easy to fake and the
> problem would have gone away if he had paid what was owed anyway.
>
> > 3) went over all the details at least 40 times with different
> operators
> > from AF, who all said they would look into it, but never did
>
> Or they did and decided that you were attempting a fraud.
>
> > I have received harrassing telephone calls, where AF
> > have even admitted that they had called me more than
> > 4 times a week (breach of the consumer credit code),
>
> No it isnt. And they dont have to abide by the code anyway.
>
> > I have been hospitalised once with serious heart
> > problems because of the ongoing harrassment,
>
> No one is gunna buy that lie.
>
> > and I have even been told in no uncertain terms that AF does not
> > care about the details, all they care about is getting their money!
> > This came from AF customer service management.
>
> Thats just another way of telling you that they arent buying your
> lies.
>
> > In the end, I finally managed to force AF to investigate the matter
> properly,
>
> No you didnt.
>
> > and then they told me they could do nothing because Telstra had all
> of
> > the details. So, I contacted Telstra and put my case forward to
> their
> > Corporate Fraud Unit (otherwise known as Telstra Control Group).
>
> > Finally! Telstra started an investigation, despite that they had
> > assigned the debt to AF, and lo and behold, they ruled in my
> > favour and had the debt removed from their system and advised
> > me that they would ensure it was removed from my credit file.
>
> Easy to claim. No one with any sense would actually believe you.
>
> > A few days later, AF advised that THEY had investigated the matter,
> > and that THEY had decided to remove the listing. Then they advised
> > me that they had advised Veda (who used to be called Baycorp
> > Advantage) to remove the listing on the 22nd Feb 2007.
>
> > I contacted Veda on the 26th Feb 2007, and they told me that they
> > had received NO instructions from AF. So, back to AF, who assured
> > me that Veda was 'lying' and that they had advised them as required.
>
> No one would say that.
>
> > Back and forth for a while until today, where Veda advised that it
> wasn't
> > until yesterday (27th Feb) that AF advised them to remove the debt.
> > Veda Advantage outrightly said that Alliance Factoring had lied.
>
> Dont believe that either.
>
> > So, after more than a year of fighting tooth and
> > nail to get a listing removed, it finally has been.-
>
> > I urge anyone who has been a victim of identity theft, of listings on
> their
> > credit file without having been asked for the money first, or
> harrassment
> > from Alliance Factoring, to band together and provide a united front
> to
> > ensure that our kids don't have to go through the same thing as us.
>
> Taint gunna happen.
>
> > Why on earth the same company that held the credit files AND
> > pursued debts was EVER allowed to form, I don't know.
>
> Your problem.
>
> > They say things have changed, but I know it's still the same people
> > behind the companies as it was then, only the names have changed.
>
> Your problem.
>
> > I am about to commence legal proceedings against Alliance
> > Factoring for harrassment, breaches of the consumer credit
> > code, and a couple of other (non-disclosed) matters.
>
> You're lying, again.
>
> > And as AF once said to me, it's nothing personal... just business.
>
> Pathetic.


So everyone knows, Rod Speed is a crank poster. He floods forums all
around the world with absolute drivel. Do a search in Google for Rod
Speed and you will find that he is just a joke. I checked him out
fully, and he is one twisted individual. His entire life revolves
around posting to forums, and looking at kiddie porn. I don't have the
time or inclination to worry about what a flamer thinks.


--
communicate

What is everyone's problem here?

are you all antisocial pricks or what? do you have too much time on
your hands and no friends to spend it with?

what motivates someone to post abusive posts? i would suggest you
certainly have the following things going on in your life:

1) no friends
2) no job
3) no life outside usenet
4) no parents who care about you
5) ABSOLUTELY no partner
6) probably extremely fat and ugly
7) absolutely zero self-esteem

as for your comments about being new to usenet, of COURSE i'm ****ing
new! i have a life. i wrote my initial comments to bring light to a
major problem in Australia, a problem that has been investigated by the
ACCC and the ACCC have forced Alliance to change their ways, and you
idiots have NOTHING worthwhile to contribute to the conversation.

you wankers are too caught up in your fat, useless, kiddie-porn
watching lives to contribute anything useful to ANY conversation.

and it doesn't matter what you reply... you just reflect on your life
and you know what i say is true. you ARE a nobody, you HAVE no life,
you will NEVER be anyone, and you PRETEND to have a level of
intelligence that you can only DREAM of having.

this is the key here - most people share only a tiny bit of the wisdom
and knowledge that they have, because they don't feel a need to
big-note themselves in front of people, but YOU people have a need to
try and share EVERY scrap of knowledge you have in the hopes that it
will make you appear smarter. I have gone through all of Rod Speed's
posts, and i have to say, his knowledge is pathetic. he makes points
of informing everyone how clever he is, but he doesn't get the fact
that EVERYONE is at least as clever, they just don't feel the need to
tell the whole ****ing world.

so, go do what you do best, which is clearly surfing the net, indulging
your kiddie porn fantasies (when i searched for rod speed, there are
references of him being a big child porn fan, so i presume you are part
of the same pedophile ring), and how about leaving the grown up talk to
people who actually have something useful to say about a topic.

as for Rod Speed, he is ****ing dead. it's only a matter of time now
before someone guts him for being a ****ing knob.

and you know something? no one will miss him, and PEOPLE WILL ACTUALLY
CHEER WHEN HE IS DEAD! that's what you don't get!


--
communicate

Alice Wrote:
> communicate wrote:
>
>
> > Do a search in Google for Rod
> > Speed and you will find that he is just a joke. I checked him out
> > fully, and he is one twisted individual. His entire life revolves
> > around posting to forums, and looking at kiddie porn.
>
> To quote your previous post
> "As my account with phorums.com.au has enough information to identify
> me, especially as I am in the IT industry and my email is public
> knowledge,"
>
> Hoo boy, you're a bright kid.

Why don't you just give up, Rod? What drives you to flame people? I
KNOW that rod=michael=alice, so try being a bit more clever next time.
everyone ****ing hates you anyway. they'll laugh when you are dead.


--
communicate

communicate wrote:
> Your statements I think will now get you in some hot water. You have
> now accused me of being a fraud, in a public forum, so, I am now
> contacting the webmaster of this forum


Lotsa luck, boyo. Ain't no 'webmaster' here on usenet.

and advising him of your
> statement in relation to calling me a fraud. As my account with
> phorums.com.au has enough information to identify me, especially as I
> am in the IT industry and my email is public knowledge, your reply is
> considered libel.
>
> I would expect that your posts will be removed, you will be banned from
> this forum, and solicitors will be contacting you.

I would expect that Speed's had absolute ****loads of similar threats
from dumbo
>
> I also somewhat suspect that you work for a debt collection agency so
> it will not be too hard to identify YOU.

You're new at this ****, right?

communicate wrote:


> Do a search in Google for Rod
> Speed and you will find that he is just a joke. I checked him out
> fully, and he is one twisted individual. His entire life revolves
> around posting to forums, and looking at kiddie porn.

To quote your previous post
"As my account with phorums.com.au has enough information to identify
me, especially as I am in the IT industry and my email is public knowledge,"

Hoo boy, you're a bright kid.

On Thu, 1 Mar 2007 13:21:58 +1100, communicate
<[email protected]> drifted into Usenet from a
web based forum:

Wake up, you are using a web based service to access the world of
Usenet. It is not controlled like your web based forum. You know how
to use Google, so do a search for Usenet and learn.

Keep up your tantrum and you will get locked out of your web based
forum!


The views I present are that of my own and NOT of any organisation I
may belong to.

73 de Simon, VK3XEM.
<http://web.acma.gov.au/pls/radcom/client_search.client_lookup?pCLIENT_NO=157452>
<https://www.police.vic.gov.au/lars/lars.asp?File=/Components/screens/PSINFP04/PSINFP04.asp?Key=PSAILT&Page=11&Row=23>

Alice Wrote:
> communicate wrote:
> I
> > KNOW that rod=michael=alice,
> >
> LOL!! You silly little boy, perhaps you'd like to get a grownup to
> show you how to search through google groups sometime.

Perhaps you'd like to know that Rod Speed is a child rapist.

Perhaps you'd like to know that AHTCC already know about Rod Speed, and
consider him a serial pest.

Perhaps you'd like to know that you aren't half as smart as you think
you are, and that this forum is about 1 hour away from being removed,
so you better get posting!

Perhaps you'd also like to be made aware that people like you are
nothing but scum, and you belong in jail along with the rest of
society's filth. In fact, I do have to wonder how long you HAVE been
out of jail for. Not long enough to learn some ****ing manners, or
civility.

Trust ME, sonny boy, I can reach much further than you think, and
certainly more than you and your pedophile mates.

The writing is on the wall, ****head... your days are numbered.


--
communicate

Simon Templar Wrote:
> On Thu, 1 Mar 2007 13:21:58 +1100, communicate
> <[email protected]> drifted into Usenet from a
> web based forum:
>
> Wake up, you are using a web based service to access the world of
> Usenet. It is not controlled like your web based forum. You know how
> to use Google, so do a search for Usenet and learn.
>
> Keep up your tantrum and you will get locked out of your web based
> forum!
>
>
> The views I present are that of my own and NOT of any organisation I
> may belong to.
>
> 73 de Simon, VK3XEM.
> <http://web.acma.gov.au/pls/radcom/client_search.client_lookup?pCLIENT_NO=157452>
> <https://www.police.vic.gov.au/lars/lars.asp?File=/Components/screens/PSINFP04/PSINFP04.asp?Key=PSAILT&Page=11&Row=23>

This thread will be closed shortly, idiot. And regardless of your
disclaimer, you stupid immigrant, you ARE representing your
organisation.

Your security licence, if that is in fact yours, and I can find out
soon enough, will be revoked, and you and your idiot mates will have to
go find another job.

Are you one of these kid****er mates of Rod Speed then?


--
communicate

Simon Templar Wrote:
> On Thu, 1 Mar 2007 13:21:58 +1100, communicate
> <[email protected]> drifted into Usenet from a
> web based forum:
>
> Wake up, you are using a web based service to access the world of
> Usenet. It is not controlled like your web based forum. You know how
> to use Google, so do a search for Usenet and learn.
>
> Keep up your tantrum and you will get locked out of your web based
> forum!
>
>
> The views I present are that of my own and NOT of any organisation I
> may belong to.
>
> 73 de Simon, VK3XEM.
> <http://web.acma.gov.au/pls/radcom/client_search.client_lookup?pCLIENT_NO=157452>
> <https://www.police.vic.gov.au/lars/lars.asp?File=/Components/screens/PSINFP04/PSINFP04.asp?Key=PSAILT&Page=11&Row=23>

I have no idea why you thought to include Mr Tevita's licence details
in your post, but SMI have now been informed. I'm sure that if you are
not Mr Tevita and have used that link in your posts, then SMI will
obviously want to know WHY you used it.


--
communicate

On Thu, 1 Mar 2007 14:56:16 +1100, communicate
<[email protected]> wrote:

>This thread will be closed shortly, idiot. And regardless of your
>disclaimer, you stupid immigrant, you ARE representing your
>organisation.

Threads do NOT get closed in Usenet. It might be closed on
CellphoneWankersForum.net but what WILL be closed is your account on
that kiddy web site.

>Your security licence, if that is in fact yours, and I can find out
>soon enough, will be revoked, and you and your idiot mates will have to
>go find another job.

I'm sure you will be able to do that and good luck to you if you can!

>Are you one of these kid****er mates of Rod Speed then?

You really are showing your mentality here and this is why your
CellphoneForums account will be closed and we will continue to post on
Usenet without your outbursts via a web site.

For the record I don't know Rod Speed and agree to disagree with him
on many subjects and time to time agree with him. As for your
comments regarding pedophilia, I find them OFFENSIVE.


The views I present are that of my own and NOT of any organisation I
may belong to.

73 de Simon, VK3XEM.
<http://web.acma.gov.au/pls/radcom/client_search.client_lookup?pCLIENT_NO=157452>
<https://www.police.vic.gov.au/lars/lars.asp?File=/Components/screens/PSINFP04/PSINFP04.asp?Key=PSAILT&Page=11&Row=23>

On Thu, 1 Mar 2007 15:08:18 +1100, communicate
<[email protected]> wrote:

>I have no idea why you thought to include Mr Tevita's licence details
>in your post, but SMI have now been informed. I'm sure that if you are
>not Mr Tevita and have used that link in your posts, then SMI will
>obviously want to know WHY you used it.

Thanks for the update, it looks like Victoria Police database changes
the URL of the licence details, I will follow it up. I have changed
the sig for now to the correct URL.

https://www.police.vic.gov.au/lars/l...Page=10&Row=13

I don't hid my real identity like other's do.
Your pathetic outbursts are still OFFENSIVE and irrelevant.


--
The views I present are that of my own and NOT of any organisation I
may belong to.

73 de Simon, VK3XEM.
<http://web.acma.gov.au/pls/radcom/client_search.client_lookup?pCLIENT_NO=157452>
<https://www.police.vic.gov.au/lars/lars.asp?File=/Components/screens/PSINFP04/PSINFP04.asp?Key=PSAILT&Page=10&Row=13>

communicate wrote:
> What is everyone's problem here?
>
> are you all antisocial pricks or what? do you have too much time on
> your hands and no friends to spend it with?

LOL!!
>
> what motivates someone to post abusive posts?

Strange how you can't see the utter hypocrisy in whining about abusive
posts in a post full of abuse, sonny. Or the hilarity in snivelling
about others wasting their time while you post paragraph after paragraph
of pathetic schoolboy insults.


>
> as for your comments about being new to usenet, of COURSE i'm ****ing
> new! i have a life. i wrote my initial comments to bring light to a
> major problem in Australia, a problem that has been investigated by the
> ACCC and the ACCC have forced Alliance to change their ways, and you
> idiots have NOTHING worthwhile to contribute to the conversation.
>
> you wankers are too caught up in your fat, useless, kiddie-porn
> watching lives to contribute anything useful to ANY conversation.
>
> and it doesn't matter what you reply... you just reflect on your life
> and you know what i say is true. you ARE a nobody, you HAVE no life,
> you will NEVER be anyone, and you PRETEND to have a level of
> intelligence that you can only DREAM of having.
>
> this is the key here - most people share only a tiny bit of the wisdom
> and knowledge that they have, because they don't feel a need to
> big-note themselves in front of people, but YOU people have a need to
> try and share EVERY scrap of knowledge you have in the hopes that it
> will make you appear smarter. I have gone through all of Rod Speed's
> posts, and i have to say, his knowledge is pathetic. he makes points
> of informing everyone how clever he is, but he doesn't get the fact
> that EVERYONE is at least as clever, they just don't feel the need to
> tell the whole ****ing world.
>
> so, go do what you do best, which is clearly surfing the net, indulging
> your kiddie porn fantasies (when i searched for rod speed, there are
> references of him being a big child porn fan, so i presume you are part
> of the same pedophile ring), and how about leaving the grown up talk to
> people who actually have something useful to say about a to
>
> as for Rod Speed, he is ****ing dead. it's only a matter of time now
> before someone guts him for being a ****ing knob.
>
> and you know something? no one will miss him, and PEOPLE WILL ACTUALLY
> CHEER WHEN HE IS DEAD! that's what you don't get!
>


LOL!!! Better get mummy to wipe your nose, sonny - you're dribbling again.