hi, i got this email from cash4unow - do they have a right to say this, can i take them to task for it? Further to previous communications in this matter we write to advise we are currently preparing paperwork to take further action in this matter. This could result in the issue of a COUNTY COURT CLAIM. This matter is being passed to our Fraud Investigation Team as, on current evidence, it seems you may have obtained this loan fraudulently. When you applied for this loan we conducted an affordability assessment to establish your ability to repay this loan plus interest. In the absence of any payment or contact from you it appears you failed to disclose all your current liabilities resulting in you now being unable to repay the loan. Section 2 of The Fraud Act 2006 defines Fraud by False Representation as follows: - Make a false representation - Dishonesty - Knowing the representation was or might be untrue or misleading - With intent to make gain for himself or another, to cause loss to another or to expose another to risk of loss It is our belief you may be culpable of an offence under Section 2 of the Fraud Act 2006 and we intend to pursue this matter through the relevant LEGAL channels. If you are unsure of your position we suggest you contact a SOLICITOR immediately. If you wish to prevent further action we require you to discharge your liability to us in FULL within 48 hours of this email. Regards Cash4UNow cash4unow.co.uk Cashunow.co.uk is a trading name of Novaloans Ltd, Company Number 07639288, Registered Office 7 Limewood Way, Seacroft, Leeds, LS14 1AB. Cash4unow.co.uk is authorised and regulated by the Financial Conduct Authority (Consumer Credit Licence number 644402). You can confirm our registration on the Financial Conduct Authority’s website http://www.fca.org.uk/ or by contacting the Financial Conduct Authority on 0800 111 6768