QUOTE(rainbowmagnum @ Aug 28 2013, 02:40)

I have Baycorp after me at the moment over an electric bill I "forgot" to pay when I switched service providers. They ring me, then ask for my details for privacy reasons, and I'm like "why do you want my details? I'm not giving you anything until you tell me who you are and what you want." that's pretty much checkmate for them, as they won't discuss my debt without my info. Sometimes I just hang up the phone.
If I get a snarky letter or threat from them telling me about how they're going to rape my credit rating, my reaction is something like:
[attachembed=29526]
You people already raped my credit rating when someone was stupid enough to approve my application for a credit card 10 years ago....
There's no credit rating left to destroy. I couldn't get finance on a fucking ham sandwich.
Hmmm I think it may have been baycorp that kept billing us for our onetel account... years after they went bankrupt and shut down their service. It took about 3 years after we left telstra to get that account fixed. They kept billing us, then sending us money, then billing us... they only sorted it out after I rang and complained about money laundering.
I think after five years you can apply to have your credit rating re-evaluated and fixed. Oh its semi-automatic now. Still confusing as heck.