- November 3, 2023
- Posted by: legaleseblogger
- Category: Related News
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Title: Notice of Unauthorized Debt: Seeking Assistance for BNPL Fraud
Introduction:
My partner recently received a notice from Debt Managers, a legitimate debt collection agency, claiming that he owes around $1,000 to Laybuy, a Buy Now Pay Later (BNPL) platform in New Zealand. Surprisingly, my partner has never signed up for Laybuy or any other BNPL scheme. Initially, we found this situation suspicious, but after conducting thorough research, it appears that this could be a case of fraud. It is worth mentioning that opening an account with BNPL companies seems relatively easy, requiring only an email address and a Driver’s License number. To navigate through this troubling situation, we have sought advice from an AI Legalese Decoder, which presents some helpful solutions.
Seeking Resolution:
Upon informing the debt field agent that my partner has no knowledge of this debt, it became evident that the email and contact number provided by the agent do not belong to him either. The agent suggested filing a police report to prove my partner’s innocence, and we intend to do so promptly. However, while we await further instructions from the agent, we are seeking suggestions and tips from anyone who has experienced a similar situation.
Utilizing AI Legalese Decoder:
Amidst this challenging situation, the AI Legalese Decoder can be of immense help. This powerful tool employs advanced artificial intelligence algorithms to decipher and interpret complex legal terminology and documents. By leveraging the AI Legalese Decoder, we can decipher any intricate legal jargon contained in the documents received from Debt Managers, ensuring a comprehensive understanding of our rights and obligations in this matter. This tool will provide us with an upper hand when dealing with legal complexities associated with fraudulent debts.
Cross-Border Assistance:
Considering our recent relocation to Australia, a lingering concern arises regarding whether the New Zealand police will be able to extend their assistance in this matter. While it may seem challenging, international cooperation between law enforcement agencies has become increasingly common. Therefore, we remain hopeful that the New Zealand police will take necessary steps to investigate this fraud, as cross-border assistance is becoming more prevalent in such cases. We will communicate our situation to the appropriate legal authorities in Australia as well, in order to enhance the chances of resolving this matter promptly.
Conclusion:
Finding ourselves entangled in a perplexing situation of debt fraud through unauthorized BNPL activity, we have taken immediate action to address the issue. By engaging an AI Legalese Decoder, we can better understand the legal implications and navigate through the complexities associated with fraudulent debts. While awaiting further instructions, we value any tips or suggestions from those who have been through similar situations. Moreover, we are optimistic that both New Zealand and Australia will collaborate effectively to assist us in resolving this matter and bring the culprits to justice.
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AI Legalese Decoder: Simplifying Legal Language
Introduction:
Legal terminology can often be convoluted and difficult to comprehend for individuals without a background in law. This complexity not only perplexes laypeople but also leads to inefficiencies within the legal system. However, with the advancement of artificial intelligence (AI) technology, an innovative solution has emerged – the AI Legalese Decoder. This tool can effectively decode and simplify legal language, making it more accessible to everyone. In this article, we will delve into how the AI Legalese Decoder can play a vital role in addressing this problem.
The Issue of Complex Legal Language:
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The Benefits of AI Legalese Decoder:
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How AI Legalese Decoder Works:
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Conclusion:
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****** just grabbed a
I had this happen to me. some one signed me up for utilities (power). The debt collectors were horrible. I phoned up the utilities company as it was obviously fraud and they got the collectors off my ass and cleared my name. I reakon call the company that set the collectors on to you directly.
I love these situations. This is my standard reply to reddit posts on how to deal with nz-based debt collectors. It may or may not apply in your situation.
1) If someone calls and asks for your personal details to verify you over the phone, say you dont give private and personal information to strangers on the phone.
2) Check your credit rating at clearscore.com to make sure it has not affected you. It only takes a few minutes to sign up. And its free. It shows your credit score (a product illion has created for providing quick online loan denials for lenders that want to filter out bad applicants, we dont have USA style credit scores here) but you can see your full credit report as well on their website.
3) If you do end up talking to them in detail say you “dispute the debt” clearly and often, “unless they can offer copies of the original invoice and proof that the debt was incurred”.
4) You want to know how they obtained your private and confidential contact information when you had not given their client any permisson to release your private and confidential contact information to an external party such as baycorp. If they cannot provide a reasonable explanation on how baycorp recieved such information, you will be filing a complaint with the privacy commissioner.
5) If they “want to persist in harassing you without just cause, then you will be taking them to the human rights tribunal. It is in the debt collectors best interest to get their client to contact you and be prepared with evidence when they do so”.
6) Inform them that you are building a report for the privacy commissioner and are quickly becoming motivated to include action at human rights tribunal so baycorp’s client better get in touch with you by phone call very quickly.
7) It is my own “policy not engage directly with external debt collectors, as I only engage with companies that I have an existing relationship with. It would be advisable to tell your client to contact me directly as without proof of the debt, they have illegally shared my private and confidential contact information, and worse, the misinformation of debt to a third party”.
8) On a couple of occasions I have had to say that “I am recording this call so that I can express the following points to you and have documented proof that you have been informed of the following”
and then listed off the above points/action threats and ended with
“I take my personal privacy very seriously and this is no joke. We may only continue with the conversation once adequate proof of the debt has been provided to my email address which is…”
and
“You (or your client) may call me back only after you have emailed me the proof and I’ll assess it to decide if we can continue the conversation”.
Basically we just go round in circles talking about the requirement for proof. For a parking ticket I would expect a photocopy of the ticket, and a security camera photo with the entry and exit timestamp embedded in the actual image.
Sidenote: This got senior legal council for contact energy on the phone to me quite quickly when they made regular screwups with my account and someone else named ray taylor over a long period. There is another Ray Taylor with a similar birthdate to me and similar address in another city so occasionally companies mix us up. My payment gets applied to their account etc or vice versa and then they report one of us to a debt collection agency for non-payment.
We are lucky in New Zealand as privacy is a basic human right here. If a company shares your private contact info with an external third party without your permission you can go after them at the human rights tribunal. And remember you may have signed a contract with a company, but that contract (or act of driving past a conditions-of-entry sign at a carpark) typically only gives them permission to share your info if a valid debt has been incurred. If there is no debt then they cant share your info.
Even saying to some random person (like a debt collector or someone on the street) that “Z owes us money” can be a violation of Z’s privacy, and is especially true if that information is false.
There have been cases where a false debt has affected someones credit report and that information spread to other institutions so the person was declined for a loan etc and damages awarded by the human rights trubunal against the company have been in the tens of thousands of dollars.
I am in the habit of using clearscore and checking it monthly so I can stay on top of any potential problems with the other Ray Taylor.
You don’t need to file a police report.
Dispute the charges were ever to you, and the debt collection agency is not allowed to contact you. The matter has to go back to the original company that issued the charges to prove that they have a contract with you in the first place and that they delivered invoices.
We had a situation where a company we had initiated a contract with had failed to invoice us on a renewal, and we never paid as we never realised there was a charge expected.
We looked into the rules (consumer institute I think) around debt collection agencies and there were a bunch of conditions and terms if engagement like I mention above
Work out what the place needs to set up an account then cancel anything that is required as the person probably stole some form of ID. Also set up a pause on your credit through on of the credit agencies
Same thing happened to me with Laybuy. Debt Managers came door knocking. Surprised the shit out of me. Fake email and number. Real geographical address and drivers licence. $900. Happened at a time where I had handed my drivers licence over to get an endorsement done.
Laybuy said to register the event with the police. But they have pretty much closed the case and written off the debt.
Yeah I’ve been nailed with this before, was a fuckin nightmare but got through it. Going asleep now but PM me and I’ll remember to respond tomorrow. It’ll be fine just takes a bit of work.
This may not apply to you but IÔÇÖd be wondering how the identity was stolen as well. Just wondering if theyÔÇÖve ever been a customer of Latitude Finance? They do gem visa and GE money. They had a massive data breach about a year ago and leaked a lot of private information including drivers license numbers. As part of their support to customers they were offering advice from services around this sort of stuff as well as paying for replacement IDs.
I hadnÔÇÖt been a customer of theirs for about 5 years but my information was leaked and I didnÔÇÖt get notified about being part of the breach for about 8 months. If you think thatÔÇÖs where the leak may have occurred you may be able to ask them for support too!
Tell Debt Managers, you dispute it. And that you want all the information, including debt, ID, email address, etc.
Then take that information to the police and advise them of identity fraud.
Then leave it upto Laybuy and the Police to sort it
I had this happen was being chased by layby, afterpay,and fines forcar put in my name – layby and afterpay I basically refused to accept,’we will decide what to do about your debt, after you jump through a thousand hoops”… statedin writing that it was on them to have checks and balances to confirm the persons legit, they failed to do that, so thats on them – both got totally wiped – the government is not so fair though and still got that hanging over my head