'Pace Forward' letter on friends lloyds debt

[iamintrouble]

Hi,

 

I am asking for some help on behalf of a friend who is in serious debt from credit cards, loans etc.

 

A couple of days ago a company called 'Pace Forward' sent him a letter saying 'We are trying to contact the above named person in order to discuss a personal matter' It gives a number to call immediately.

 

And then it says 'If you are not the person named above we would still ask you to contact us immediately to discuss this matter and enable us to remove your address from your records and discount you from our enquiries'

 

I have never heard of this company before and it is written very strangely but we are guessing it is to do with a debt but he has no idea which one! I also haven't been in this situation before (I usually just get the threats starightaway)

 

What should he do next? I am guessing not to phone them is the best thing but can anyone advise of a letter to send?

 

Thanks.

[Stigman]

Hiya,

Don't telephone ever and wait until they send something with more information through the post, which will come in time.

If your friend does phone, he'll have a DCA mug marker on him and it'll open the floodgates.

Best wishes

Stigman

[Bazooka Boo]

Bunch of total chancers on a trip.

Ooh 'Pace Forward' not too familiar with these reprobates? What does it say on the bottom of the paper, who are they a trading name of?

It is very very simple, DO NOT RING THEM they employ ex burger flippers who go off a script, and work on commission, in fact the best way to deal; with such a corrupt industry as this is to ignore them totally, until that is they foolishly think they can walk all over your CRF, when you take the idiots to court and sue them for damages!

[alfwithhair]

Registration Number: Z7385133

Date Registered: 18 December 2002 Registration Expires: 17 December 2009

 

Data Controller: TESSERA CREDIT SERVICES LIMITED

 

Address:

ARRAM BERLYN GARDNER

HOLBORN HALL

100 GRAY'S INN ROAD

LONDON

WC1X 8BY

Other Names:

ROCKWELL DEBT COLLECTION AGENCY

BTMK SOLICITORS

PACE FORWARD

FENTON COOPER

[Bazooka Boo]

Cheers Alf....noted!

[sillygirl1]

Idiots, you need to report them to Trading Standards for communicating in a misleading manner, and to the Office of Fair Trading and Ministry of Justice.

 

This might now be followed up with a little card saying you have sensitive documents they couldn't collect and you need to call them to confrim you are you... possibly from Silverpoint Deliveries.

[iamintrouble]

Thanks for the response, yes I do think the letter is uite misleading.

 

Yes I found on the bottom of the page that pace forward is the trading name of Tessera Credit services Ltd. There are a few addresses on the letter, at the top of the page:

 

5th Floor

Maitland House

Warrior Square

Southend-on-sea

SS1 2JS

 

And also the registeredoffice at the bottom of the page as:

30 City Road,

London

EC1Y 2AB.

 

So does my friend complain about them and not write any kind of correspondence directly to them?

[Bazooka Boo]

Complaints are a foregone conclusion, anyone who has the misfortune of being contacted by such a disreputable industry needs to make complaints first, before even worrying about corresponding with such laughable misfits.

[iamintrouble]

My friend ended up ignoring the last letter as he was more than a little stressed by it. Another letter arrived this time from Rockwell. It says the debt is owed 'to our client' Pheonix recoveries and the orginal lender was Lloyds, why are so many companies involved?

 

I don't think he even knows which debt it is because Lloyds haven't been in contact about the actual debt and the letter doesn't really give any details apart from an amount.

 

The letter says 'We have been instructed by Pheonix Recoveries (UK) Ltd SARL (Tessera) to contact you regarding the above account which remains unpaid.

 

Your debt is now overdue and must be paid in full to these offices within the next 10 days otherwise we will take immediate action.

 

If you are unable to pay the debt in full you must telephone on the above telephone number immediately to discuss other possible options. You will be asked to provide a full statement of your income and expenditure in order to validate any installment arrangement'

 

signed Rockweel DCA.

 

If a family member, like a parent, was to pay a bit of money say £5 a month on behalf of my friend would they become responsible for the debt?

 

Any advice greatly appreciated!

[Lapchien66]

It breaks my heart to think that anyone would pay even 1p to these idiots. DON'T PAY THEM A PENNY - demand that they 'prove' that the debt is owed by using one of the letter templates on this site. Maybe the one known as the 'prove it' letter?

 

On receipt they are legally bound to respond with 'here is the proof' (very unlikely) or 'sorry we're going away now' (highly likely) before going after a softer target.

 

How old is this debt? If it's been 6 years since acknowledgement or payment then it is statute barred and they can't touch you.

[dx100uk]

well said

 

dx

[Lapchien66]

I had these morons chasing me for a while last year. Before that I used to bury my head in the sand and be worried that they would turn up at my door. A few weeks on this site and letters sent, they went creeping back under their stone. I found out that they also searched my credit files, I threatened them with court action and they removed all traces.

 

I don't get bothered by these or any other DCA's any more. I actually miss those silly little letters 'demanding' this and that. My credit history is poor but has been excellent for the last 4 1/2 years. In 18 months I should be a 999.

 

Remember, these collectors have NO authority and NO power. If they turn up at your door tell them to bog off or call the police. If you feel threatened by them complain. Push them for absolute, legally watertight agreements and proof that any debt is due. These bottom feeder DCA's are passed a list of folks with an amount and details of the original account in a spreadsheet, and their employed monkeys just ring around and generate spurious letters to try to frighten people into paying.

 

They have bought these accounts for a few pence in the pound, the original creditor having written off the debt and claimed tax relief. Yet these DCA's are allowed to buy an account and make money from it!

 

The whole industry stinks, don't let them get away with it.

[MrOwen]

Hi,

 

I am asking for some help on behalf of a friend who is in serious debt from credit cards, loans etc.

 

A couple of days ago a company called 'Pace Forward' sent him a letter saying 'We are trying to contact the above named person in order to discuss a personal matter' It gives a number to call immediately.

 

And then it says 'If you are not the person named above we would still ask you to contact us immediately to discuss this matter and enable us to remove your address from your records and discount you from our enquiries'

 

I have never heard of this company before and it is written very strangely but we are guessing it is to do with a debt but he has no idea which one! I also haven't been in this situation before (I usually just get the threats starightaway)

 

What should he do next? I am guessing not to phone them is the best thing but can anyone advise of a letter to send?

 

Thanks.

 

 

Your friend got a TRACE LATTER. Tracing people is one of the services that debt collectors undertake. This suggests that your friend changed his address without informing his creditors or the debt collectors that have bought his debt. If your friend appears on the electoral roll at the address that the letter was sent to under the same name has he had when he was last in touch with the creditor or debt collector then they can check that but they may not have done that search yet. The letter is a cheap way of trying to get someone to phone one of their interrogators and get them into a conversation that they will try to lead. If you are not good at dealing with this kind of thing it will not be to your advantage. If you wish to communicate do it by letter and say as little as possible. They are also trying to keep some communication going as they want to avoid the possibility of the debt becoming statute barred after 6 years of non-communication with the debtor. Your friend needs to take advice about the best way to deal with his debts. If he has nothing to lose in the way of assets such as equity in his house etc then he has little to fear of being taken to court if it comes to that otherwise he needs to know how best to protect what he has. The proper way to trace an "absconder" is for an agent to call either at his house or more likely to a neighbour or the local shop, or post office and ask if they know him. Neighbours will often think that the agent is a courier and offer to take a package for him thus confirming the trace. After that the agent can call at the debtor's house in confidence to leave a hand delivered letter. This will cost the debt collecting agency £20 or more as the agent's fee so they only do that if they feel that the debtor might be encouraged to part with some cash. I hope this has been of some help to you.

[sillygirl1]

It is NOT 6 years of non-communication, it is 6 years of NON PAYMENT, this is a common mis-conception.

 

As long as your friend writes back stating "I do not acknowledge any alleged debt to you, your clients/associatesaffilliates" after the Dear Sir bit they will not be acknowledging the debt.

[huggy41]

Wakey wakey the thread is 2 YEARS OLD PEOPLE

[Bazooka Boo]

Yes I did wonder why this flagged up in my inbox.

MrOwen if you have a read round on the numerous threads regarding DCA's and their tactics, above all else DCA's have NO legal powers or rights to do anything, least of all run around asking neighbours and random strangers if someone lives at xyz.