Thanks I will complain to the FOS again that they have not honoured the settlement that we had agreed.

Thanks for the clarification, I did complain to the Australian FOS but to be honest they weren't very helpful and just kept saying that I should try and resolve with Credit Corp. I thought I had and we had an agreement in place then the woman I was dealing with went on maternity leave and now it seems to have started from scratch again with the threats etc. They even miraculously had the wrong email address after always having the right details in the past which was their excuse for calling me at work. They are now saying that too much time has passed for them for the repayment agreement to be honoured and that I have to pay in full on a one off payment. I've also found that whenever I've asked them for an accurate statement of payments etc that they are unable to do so.

Thanks for the response, I'm just frustrated that this is gone on for this long when I've tried to make payment arrangements. They are calling me every day on my mobile at 6.30am and calling me at work as when I never gave them my work number. I want to resolve this so that I don't live in fear of their threats but I can't pay in a lump sum.

In 2004 I left Australia & returned to the UK. I had an Australian Virgin Credit Card & provided them with my address & contact telephone numbers in the UK. I continued to make payments from my Australian bank account until it was closed in September 2004. I contacted Virgin by telephone & post to ask how to make payments from the UK, no response was received. Correspondence & statements from Virgin also stopped. In October 2009 I received correspondence from Stevensdrake solicitors saying my debt had been sold to Credit Corp and they were demanding full & immediate payment of the debt which had risen to $7208.62. I managed to agree with them that I pay £100 a month but they then wanted it increased to £500 which I couldn't afford. The statements they sent me were irregular and incorrect and they became very threatening. I stopped making payments in 2010 and eventually in 2012 after involving the Australian FOS etc Credit Corp agreed that I could pay the original debt of $3882 minus what I had paid in 2009/2010 in £100 monthly instalments and I gave them my card details to make the payments. They never actioned the payments and are now again asking me to pay the debt in full which is now over $8000 again. As the debt is from Australia and from 2004 do I still owe this debt?