A debt collection agency has sent an email regarding an unpaid payday loan to a generic work email address ([email protected])

- I am a director of the company

but these emails do not go to me,

so have now probably been read by quite a few members of my staff before someone forwarded it to me,

The email contains my personal details, as well as details of the outstanding amount £985 (the loan was £100!)

- surely they cannot send details of all this to a generic email address at my company?!

Anybody got any ideas how I should deal with this please?

Ignore the email but keep it and wait till they write to you. Looks like the debt is full of charges. Can you please provide more info?

no they can not publish your personal details nor of any debt you have

Did you use this email in your application?

Did you use a similar email address in the application for the loan?

Hi, no I have never given them any company email address,

though perhaps gave the company name as the name of my employer,

the email address they have had and used in the past was a personal one.

The email was as follows:

Our Ref: XXXXXXXX

Debt Type: KAXXXMA CRXXIT

Client Ref: OPXXXXXX

Balance: £950

Telephone: 0XXXXXXXXXX (Calls are recorded)

Failure to respond to our Notice of Intent

Dear Mr XXXXXX XXXX

As you are aware the 7 day Notice of Intent we issued against you for the outstanding loan you took with Minicredit, has now expired.

The debt remains registered against you on your credit file as a defaulted and unpaid, and will remain in place till paid,

this will stop any further attempts by you to gain future credit for a period of years.

Maintaining payments or settling your account will be positively reflected with the Credit Reference Agencies,

and will be updated with every payment made.

In the Notice of Intent we issued you we offered flexible repayment solutions that would meet your needs,

and we were prepared to discuss alternative options available for you such as a reduced settlement figure to clear your debt.

Please be assured that we will take your financial circumstances into account when discussing

and arranging any repayment plan to ensure suitability and affordability with your best intentions to heart.

We asked now that you take the first steps by contacting our office on 0203 096 5899 or email us on stating

the amount you could afford to pay,

the frequency and the start date,

we are also happy to deal with an authorised third parties,

and have supplied non fee charging charitable organisation that can help you with your debts at the bottom of this email.

If you wish to stop the further action that we are licensed to perform and been employed to take against you

then please contact our office to arrange an affordable resolve to this debt that best suits you.

Make today the day you start putting your finances in order.

Yours sincerely

Mr XXX XXXXX

Collections Manager

XXXX

XXXX

XXXX

XXXX

XXX XXX

Main Line XXXXXXXXXXX (Calls are recorded)

DPA Registration NO: 285 8625 Authorised and Regulated by the Financial Conduct Authority in respect of consumer credit regulated accounts

. Interim Permissions Reference Number 641186

Registered Office 1 Golden Court Richmond Surrey TW9 1EU

Need Help or Advice

If you are in financial difficulty or are struggling with debt, you can get free advice and help by contacting National Debtline on 0808 808 4000

or Step Change Debt Charity on 0800 138 1111 or Money Advice Services on 0300 330 2222

Please note if you chose to communicate with Hellix Limited by email, unless you advise us otherwise,

we will accept this as your consent to use your personal details to contact you by electronic means (email)

with information about your account(s) which may include collection activity,

negotiations and other services and products.

You may call our Head office on 0203 096 5899 during office hours to discuss your account.

Hellix Limited is a member of the Credit Services Association.

The Credit Services Association (CSA) is the only National Association in the UK for companies active

in relation to unpaid credit accounts, debt recovery agencies, tracing and allied professional services and has a history dating back to 1902.

The information contained in this message is private and confidential and is intended for the addressee only.

Any unauthorised use, disclosure, copying or alteration of this message is strictly forbidden and may be illegal.

If you have received this message in error please notify the sender immediately.

Hellix Limited will not be liable for direct, special, indirect or consequential damages arising from any use

or alteration of the contents of this message by a third party or as a result of any virus being passed on.

Hellix Limited reserves the right to monitor and record e-mail messages sent to and from this address

for the purposes of investigating or detecting any unauthorised use of its system and ensuring its compliance policies are adhered to.

Surely this is a breach of Data protection? that is what i am thinking?

With regards the amount owed, I borrowed £100 off minicredit years ago, and now it is somehow 950ish, I have never had a breakdown of how the amount has ballooned!

loving this statement they made on their email

"The information contained in this message is private and confidential and is intended for the addressee only" - reading other posts on here it does seem that they have breached guidelines, they have jeopordised your job and I would suggest that there could be some compensation due to this..

....they are also not allowed to harass you at your place of employment no matter what they say they can do

Ignore the threats, keep the email... Minicredit sold to Kapama who sold to OPOS who have barreled it onto Hellix.

Yes it is a breach of DPA... And more due care should be given when sending emails. ICO will be interested in this. ...

?Minicredit died a slow and painful death last year.,... So Im not 100% sure o the legality of how this loan now stands in relation to unfair charges etc,

Thank you, anymore advice very welcome, I may report it to the ico then?

Why are you so worried about an email from a DCA? until they write to you forget them but keep the emails.

If you start to play letter tennis then this will continue...

Yeah they have wrote to me a few times, i ignore all correspondence, but the reason i put the thread up is that I can't believe its allowed that they can send an email tol a generic work email address with my personal information on the email.

they cant. A complaint to the ICO would be in order, esp as this touches on at least 2 parts of the DPA

Ditto Erics statement, formal complaint to the ICO this IS a definite breach of the DPA.