- Suspicious
0478 265 638 has been reported as a debt collection agency phone number that harasses users with frequent calls. Learn how to identify these calls and what steps to take to protect your rights.
Understanding 0478 265 638: A Debtors' Nightmare
The phone number 0478 265 638 / 0478265638 has become notorious among users in Australia for relentless debt collection attempts. Reviews suggest that this number is linked to a debt collection agency that routinely violates contact restrictions, leading many to classify it as harassment rather than legitimate outreach.
Classification: Harassing Debt Collector
According to user reports, this number is associated with a debt collection agency that routinely calls individuals up to three times a day. This level of contact is not only intrusive but also runs contrary to legal provisions designed to protect debtor privacy. Here’s why it has sparked considerable concern:
- Frequency of Calls: Calls from this number have been reported to occur excessively, with some users receiving multiple calls each day. This can lead to distress, especially when one is already dealing with financial difficulties.
- Lack of Compliance: Debt collectors are expected to adhere to strict contact guidelines, such as not calling during public holidays and limiting their frequency to avoid harassment. Reports indicate that this collector does not respect these rules.
- Possible Identity Concealment: There’s a legal expectation that debt collectors must identify themselves and the nature of the call. Users have indicated this has not always been the case with 0478 265 638 / 0478265638.
How to Handle Calls from 0478 265 638
If you find yourself on the receiving end of calls from this number, here are some practical steps to take:
- Document Everything: Keep a record of the dates and times of the calls, as well as the content of the conversations. This documentation can be useful if you need to escalate the issue.
- Exercise Your Rights: You can request the caller to cease communications. By law, you can instruct them to stop contacting you. Make sure to do this formally in writing if necessary.
- Contact the Relevant Authorities: If the harassment continues, consider filing a complaint with the Australian Competition and Consumer Commission (ACCC) or your local consumer protection agency. They can take action against collectors who do not comply with the law.
In the age of easy contact, it is crucial to be aware of your rights regarding who can call you and how often. Be informed and empowered when dealing with potential harassment from numbers like 0478 265 638 / 0478265638.
Help others by sharing your experience with 0478 265 638!
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What Our Users Reviewed
This latitude debth collection company calls you 3 times a day.
They harash you doing that they should do their obligations too.
Debt collectors must respect your right to privacy. By law, they cannot reveal that they are a debt collector or provide information about your financial situation to another person without your permission.
There are restrictions on the times debt collectors can contact you. For example, they should not contact you on national public holidays. Other restrictions include:
Phone: Debt collectors should not call you more than 3 times in a week (or 10 times in a month). Unless you agree otherwise, they can only call between 7.30am-9.00pm on weekdays, or 9.00am-9.00pm on weekends.Face-to-face: They should not visit you in person if repayment arrangements can be worked out over the phone, by email or letter. However, if you do not respond to other attempts to contact you, they may visit you at home as a last option. They can only visit between 9.00am-9.00pm (weekdays and weekends), but no more often than once a month. Social media and email: If a debt collector uses email, social media or similar technology to contact you about a debt, they must be reasonably sure that the account is not shared with another person and that their message cannot be viewed by anyone except you.