Happy 2015 to everybody.
I receently received a letter from a company called Watson Hope & Co regarding a debt I have.
I'm reluctant to divulge full details regarding the debt (medical) but was hoping a few general answers could be provided:
1) Are these a legitimate company?
The letter arrived dog eared, tatty, and actually open at the bottom of my garden?
I have read other accounts online of the letter arriving in a similar condition.
I've been to their website and they look legitimate..
.but a cat can look legitimate these days.
The letter itself is also riddled with peculiar language and grammar choices (more peculiar than my own).
I guess my question is: do I now owe these people money or is the debt still with the original creditor?
2) The original amount is for £570.
This is an amount I am willing and, in fact, have tried to pay.
The only reason for the delay in payment is due to the creditor not fulfilling their obligation.
Watson Hope claim that they are owed a further £85.50 as a "collection fee".
This ammount I am not so willing to pay.
Is it too late for me to discuss this matter with the original creditor,
despite having tried to do so on multiple occassions already?
And finally... can I fight this? And is it worth it? The letter is riddled with slightly threatening language.
Thanks in advance for any help with this.