™Been contacted by VCM?
Who we are, why we may be in touch, and how to raise a concern.
If we’ve called, written to you, left a card or visited, it’s because we’ve been asked to act for a creditor, a law firm or another client. This page explains who we are and how to get in touch.
Who we are
Victorian Country Mercantile (VCM) is a mercantile agency run by Mark Stevens, a member of the Institute of Mercantile Agents. We act on behalf of our clients and follow the ACCC/ASIC debt collection guideline and the law.
How to contact us
- Phone: 0493 795 851. If I can’t answer, leave a message and I’ll call you back.
- Email: mark@victoriancountrymercantile.com.au
- Post: PO Box 454, Huntly VIC 3551
Please have the reference number from our letter or card handy.
Common questions
Why has VCM contacted me?
We act for a creditor or another party. Our letter, card or message tells you who, and how to reach us.
Do I have to talk to you?
No, but contacting us or the creditor is usually the quickest way to sort things out.
I can’t afford to pay.
Tell us or the creditor. Hardship options may be available. Free, confidential help is available from the National Debt Helpline on 1800 007 007 (ndh.org.au) and, for business owners, the Small Business Debt Helpline on 1800 413 828.
I don’t think I owe this.
Tell us why, in writing. We’ll pass it to the client and pause collection of the disputed amount while it’s checked.
Can you come into my house or take my things?
We don’t enter homes without permission and never use force. Goods are only recovered under a lawful authority from the credit provider or owner.
VCM has served me with documents. What now?
We can’t give legal advice or discuss the case. The documents show which court is involved and who the other party or their lawyer is. Read them carefully, note any dates, and get legal advice. Free help may be available from Victoria Legal Aid or a community legal centre.
How do I make a complaint?
See our Complaints page for how we handle it and where else you can go.
We never ask for payment through links in text messages or emails. If you’re unsure whether a message is really from us, call 0493 795 851.