I called back number (08) 6214 4333 reached voice mail of a woman for a company called Pioneer Credit.

I got the EXACT same text message, twice!

Called but I didn't answer, then I received a text saying "Please contact Melani as soon as possible on (08) 6214 4333 regarding an important matter. Thank you."
I replied " What is Melani's surname, D.O.B, home address and phone number ? Photo I.D and bank details will also be required"

Such a load of sh*te

as described, this is pioneer, they purchase bad debt for 5c in the dollar then threaten to ruin your credit til you pay it.. never agree that you owe them money and they lose their leverage

This is Pioneer Credit in western Australia. They may have purchased bad debt and trying to get you to pay out off

More than likely a caller phishing for information. Wants to speak regarding a private business matter.