20 Debt-collection flags · Consumer · Wave O ← Gallery
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We checked your contact log and old debts

Two things stood out. Tick what you'd like Fairgo to raise with the lender. We'll write the complaint for you.

Lane A · Contact incidents · 4 found

How they've been talking to you

We checked your contact log against ASIC's Debt Collection Guideline section 16 — frequency caps, after-hours rules, employer contact prohibitions, and false-threat tests.

  1. Unlawful Latitude 14 May 2026 21:32

    Phone call after-hours (caller said "we'll send debt collectors to your work").

    ASIC §16.4 — threats of action not lawful or intended to be taken
  2. Improper Latitude 14 May 2026 21:32

    Same call: after-hours contact (after 9pm).

    ASIC §16.6 — contact outside 9am–9pm weekdays / 9am–5pm weekends
  3. Borderline — review with adviser Westpac 12–13 May 2026

    Two phone calls in 24 hours about the same matter.

    ASIC §16.7 — frequency cap soft target
  4. Within guideline — informational Westpac 13 May 2026 09:15

    Polite call asking when next payment will be made.

    Within ASIC §16 guideline
    Informational only · nothing to raise
Want to add another incident?
Lane B · Old debt / limitation risk · 1 found

Debts that may be statute-barred

We checked your debts against state limitation periods (typically 6 years from your last payment or written acknowledgement). If the limitation period has expired, the lender generally cannot sue you to recover — though they can keep asking. We can write a "statute-barred" response for you.

Statute-barred likely

Old GE Capital store-card debt · $940

Last payment: 12 March 2017 (per CDR transaction history)
State: Victoria · Limitation period: 6 years from last payment or written acknowledgement (Limitation of Actions Act 1958 (Vic) s5)
Limitation period likely expired: 12 March 2023 — over 3 years ago
Currently being pursued by: ARL Collect (purchased the debt from GE Capital in 2019)
Create statute-barred response letter

Sarah K. can review this before you send. Some actions, like making a small payment or acknowledging the debt in writing, can affect limitation periods.

No risk Westpac home loan ending 4421 — no limitation risk
Active loan, currently being repaid via direct debit · NOT statute-barred · informational only. We're showing this so you can see what we checked, and so the page doesn't feel like it's only flagging trouble.
Add a debt we don't know about?
Aggregated complaint — preview · not yet sent

What we'll raise with Latitude (1 letter) and ARL Collect (1 letter) if you continue

Preview only — to add or remove items, use the toggles in Lane A and the CTAs in Lane B above.
Letter to Latitude
2 contact incidents · ASIC §16
  • 14 May 2026, 21:32 — threat of action. "We'll send debt collectors to your work" — ASIC §16.4
  • 14 May 2026, 21:32 — after-hours contact. Same call, after 9pm — ASIC §16.6

We'll raise after-hours contact and the threat-of-action under ASIC Debt Collection Guideline §16. Outcome we'll ask for: stop after-hours contact, no further threats, written acknowledgement of the breaches.

Letter to ARL Collect
1 statute-barred debt · Limitation Act
  • Old GE Capital store-card debt · $940 — limitation period likely passed. Last payment 12 Mar 2017 · limitation expired 12 Mar 2023 (Vic, 6 years)

We'll raise that the limitation period appears to have passed for this debt, based on the last payment date (Limitation of Actions Act 1958 (Vic) s5). Outcome we'll ask for: cease collection action, mark account closed.

Generate complaint letters Open Resolve to combine with another complaint