I have just recieved this e-mail from Secure Credit Management, and I'd like anyone's opion on this chapter;

I have provided the information below which provides the specifics of where your information came from and how we have confirmed we are speaking to a genuine customer.

London Police Financial Crime Unit - have already reviewed and investigated your case and deemed it is not fraud, they were subject to a protection order through the court to confirm these details.

UK Banks — Were subject to a court order to provide details of matches where they have confirmed the following Name D.O.B match Address match If and when funds entered an account from an MCO Capital product, in your case Balance loan.

Credit Reference Agency — reconfirmed the identity of customer to complete a third and rigorous check to make sure the details confirmed through the other sources were correct in reference to name, address, dob and voters roll information.

In conclusion, we have confirmed from three separate sources, 2 through court order to provide and confirm details of genuine cases where the funds have been confirmed entering the bank account. In this case Secure Credit Management would request that you contact the office further, either via telephone or letter to arrange repayment of the outstanding balance. If you have any further queries please do not hesitate to contact us.

I have not disputed the debt, I just wanted to know what company they were representing! However, i think they are not telling the truth!!!

can you give us some background on this? It is pretty random.

What would you like to know? I took out a payday loan with Help Loans, some years ago, and have only just been contacted by this company who alledge to have bought it from them.

Just give as much background.history as you can. It sounds rather suspicious. Especially since they have claimed they have pursued it through the LPFCU.

well, there is nothing more to say, than this e-mail I recieved! Yes, I think the debt is genuine as i do recall the loan, however it was quite a long time ago, but the e-mail just seems to be full of lies!

Here is a copy of the letter is full;

----- Original Message ----- From: Sridevi Dhulked

To: [email protected]

Sent: Tuesday, November 19, 2013 5:24 PM

Subject: RE: Customer Account No.: XXXXXX

Dear XXXXXX

Thank you for contacting Secure credit Management.

The letter was in reference to the loan which was taken in 2010 from MCO Capital Ltd, trading as Help loan or Balance loan. The product you had chosen was the Help Loan. The outstanding balance is owed to Secure Credit Management as we have purchased the debt book of MCO Capital and are responsible for collecting the outstanding debt. I have enclosed an information sheet. Confirming the following details:-

• When the loan was taken.

• Into which bank account the funds were credited.

• What date the funds were credited

• Who owned the bank account at the time of credit and now.

• What checks have been completed.

I can confirm that this agreement/contract was not signed for on paper as it was an online application through the website as a click wrap agreement, which states that you have to click and confirm the terms and conditions before you can submit your application and the funds can then be transferred. (I have attached the Help Loan terms and conditions agreed to for your reference),I can confirm we do not have a signed agreement for this loan.

I have provided the information below which provides the specifics of where your information came from and how we have confirmed we are speaking to a genuine customer.

London Police Financial Crime Unit - have already reviewed and investigated your case and deemed it is not fraud, they were subject to a protection order through the court to confirm these details.

UK Banks — Were subject to a court order to provide details of matches where they have confirmed the following Name D.O.B match Address match If and when funds entered an account from an MCO Capital product, in your case Balance loan.

Credit Reference Agency — reconfirmed the identity of customer to complete a third and rigorous check to make sure the details confirmed through the other sources were correct in reference to name, address, dob and voters roll information.

In conclusion, we have confirmed from three separate sources, 2 through court order to provide and confirm details of genuine cases where the funds have been confirmed entering the bank account. In this case Secure Credit Management would request that you contact the office further, either via telephone or letter to arrange repayment of the outstanding balance. If you have any further queries please do not hesitate to contact us.

Sridevi Dhulkhed

Data Analyst

Secure Credit Management Limited

Tel: 0121 3487599

[email protected]

www.securecreditmanagement.co.uk

I can confirm we do not have a signed agreement for this loan.

So theyre saying they have bought the debt but cant pursue it through the courts, or they dont have a specifically SIGNED agreement? It's very carefully worded.

London Police Financial Crime Unit - have already reviewed and investigated your case and deemed it is not fraud, they were subject to a protection order through the court to confirm these details.

Did you get any contact from this unit? Also "protection order to confirm details"?