[Andrea Dolan]

Hi everyone

With the introduction of Consent Orders to set aside Judgments, we are reviewing our Debt Recovery process and I have a few questions that I’d like to get your help with.

1) Does your council issue consent orders?
2) If you do, do you charge a fee to the ratepayer for it? And how much?
3) If you don’t, is there a reason we should take into consideration with our review?
4) Do you still issue Notices of Discontinuance?

Thanks a lot for your time and answers
Andrea

[John Towers]

Hi Andrea

NSC in order:

1) Yes if requested & the account has been pif.
2) No Council fee but they are required to pay any Agent costs. We do not do any in-house recovery via the courts.
3) Not sure, & I’m not sure what Council’s costs in these matters would be. We direct them straight to the agent & do not get involved in the admin process.
4) If requested yes, on same basis as above.

JT

[Dallas McConnell]

Hi Andrea,

1) Our Council policy stipulates that we will update a customers credit file with the major credit reporting agencies in Australia to paid once the judgment debt has been paid in full (e.g Veda advantage), as such we will only process consent orders if the judgment has been obtained due to a Council error in process e.g. customer requested mailing update change but not processed correctly on Council’s end.
2) as we will only process a consent order due to a Council error we do not charge for it
3) the reason why we don’t process a consent order once the Judgment debt has been paid, is because it is not a true representation of a persons financial situation. After it is removed it is like it never existed, any form of credit they apply for from then will be viewed differently from a risk perspective on the financial institution side.
4) we do not issue NOD, the only impact this has on the credit file is updates the status of the file to discontinued and as such has no real impact for any future loans.

Hope this helps

Regards,
Dallas

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