I too have had the Zinc Experience - please read the following on this company Ultimate Credit Services went into administration in 2009 – but one of the directors of that company has set up another debt collection agency (along with some other people) called the Zinc Group – and many of the letters they send out are headed Zinc Collections. They are effectively all part of and connected to a company called Complete Credit Consultancy. All of this is confusing and makes it more difficult for those being contacted by this company to know who it is they are dealing with. Zinc are based in and operate out of Glasgow and Complete Credit Consultancy is registered at an address in Stratford on Avon – though I understand that this is simply a registered address and no one from this company actually operates from there. So the people calling and writing to members of the public are Glasgow based. I have had experience of these companies harassing my family for debts which they do not owe. They are in my opinion a very dodgy outfit and having a look through various websites suggest that they may have upset many people. I believe that they break many of the Office of Fair Trading guidelines, but appear not too worried – after all, these guidelines have no legal status – i.e. they are not (necessarily) breaking the law by not following these guidelines and breaching these guidelines can only really be used to revoke their operating licence – this would appear at first to a major deterrent for debt collection agencies not to transgress these guidelines. But, it is often difficult to prove that they have been breached (these people know every trick in the book) and in any case I believe that last year only two debt collection agencies actually lost their operating licence. A tiny amount when you consider that these guidelines are widely flaunted and broken. Most people being chased by debt collection agencies probably do genuinely owe money. But I have evidence that Zinc chase people who are innocent and do not owe debt. I don’t know if they do this to try and flush out the real debtor (should that be a relative of the innocent party) or if they simply try to harass people into paying in order to bring an end to their torment. As it stands, the law does not appear to adequately protect people from companies such as Zinc. By challenging their behaviour in these forums it may be possible to build up support to have them properly dealt with. The current law and regulation can work sometimes – but it needs people who are determined to bring a case that will stand. Please post a reply if you or anyone you know has had problems with this company.

Ultimate Credit Services went into administration in 2009 – but one of the directors of that company has set up another debt collection agency (along with some other people) called the Zinc Group – and many of the letters they send out are headed Zinc Collections. They are effectively all part of and connected to a company called Complete Credit Consultancy. All of this is confusing and makes it more difficult for those being contacted by this company to know who it is they are dealing with. Zinc are based in and operate out of Glasgow and Complete Credit Consultancy is registered at an address in Stratford on Avon – though I understand that this is simply a registered address and no one from this company actually operates from there. So the people calling and writing to members of the public are Glasgow based. I have had experience of these companies harassing my family for debts which they do not owe. I believe that they break many of the Office of Fair Trading guidelines, but appear not too worried – after all, these guidelines have no legal status – i.e. they are not (necessarily) breaking the law by not following these guidelines and breaching these guidelines can only really be used to revoke their operating licence – this would appear at first to a major deterrent for debt collection agencies not to transgress these guidelines. But, it is often difficult to prove that they have been breached (these people know every trick in the book) and in any case I believe that last year only two debt collection agencies actually lost their operating licence. A tiny amount when you consider that these guidelines are widely flaunted and broken. Most people being chased by debt collection agencies probably do genuinely owe money. But Zinc have chased my family who are innocent and do not owe debt. I don’t know if they do this to try and flush out the real debtor (should that be a relative of the innocent party) or if they simply try to harass people into paying in order to bring an end to their torment - or if as they will no doubt claim that it is a genuine mistake. As it stands, the law does not appear to adequately protect people from companies such as Zinc. By challenging their behaviour in these forums it may be possible to build up support to have them properly dealt with. The current law and regulation can work sometimes – but it needs people who are determined to bring a case that will stand. Please post a reply if you or anyone you know has had problems with this company.

Ultimate Credit Services went into administration in 2009 – but one of the directors of that company has set up another debt collection agency (along with some other people) called the Zinc Group – and many of the letters they send out are headed Zinc Collections. They are effectively all part of and connected to a company called Complete Credit Consultancy. All of this is confusing and makes it more difficult for those being contacted by this company to know who it is they are dealing with. Zinc are based in and operate out of Glasgow and Complete Credit Consultancy is registered at an address in Stratford on Avon – though I understand that this is simply a registered address and no one from this company actually operates from there. So the people calling and writing to members of the public are Glasgow based. I have had experience of these companies harassing my family for debts which they do not owe. They are in my opinion a very dodgy outfit and having a look through various websites suggest that they may have upset many people. I believe that they break many of the Office of Fair Trading guidelines, but appear not too worried – after all, these guidelines have no legal status – i.e. they are not (necessarily) breaking the law by not following these guidelines and breaching these guidelines can only really be used to revoke their operating licence – this would appear at first to a major deterrent for debt collection agencies not to transgress these guidelines. But, it is often difficult to prove that they have been breached (these people know every trick in the book) and in any case I believe that last year only two debt collection agencies actually lost their operating licence. A tiny amount when you consider that these guidelines are widely flaunted and broken. Most people being chased by debt collection agencies probably do genuinely owe money. But I have evidence that Zinc chase people who are innocent and do not owe debt. I don’t know if they do this to try and flush out the real debtor (should that be a relative of the innocent party) or if they simply try to harass people into paying in order to bring an end to their torment. As it stands, the law does not appear to adequately protect people from companies such as Zinc. By challenging their behaviour in these forums it may be possible to build up support to have them properly dealt with. The current law and regulation can work sometimes – but it needs people who are determined to bring a case that will stand. Please post a reply if you or anyone you know has had problems with this company.