Fairfax Solicitors and Max Recovery Limited

[Eric40]

Hi I wonder if someone can give me some advice. My boyfriend has received a letter, it was passed on via his old address about 2.5 years ago, so they don't have his new address.

The letter came from Fairfax Solicitors on behalf of their clients Max Recovery Limited. He has never heard of them before, and it states that he owes this Max Recovery over £5k. It's really bizarre and we're not sure what to do. I was thinking of sending these so called Solicitors a letter but then again I don't want them to have my address, my boyfriend knows nothing about it, it's weird. If he calls them then from reading other people's answers to this sort of thing that's the worst thing he can do, they'll then continue to send letters to his old address.

 

Is it wise to ignore it?

 

I'd much appreciate some advice on this.

 

Many thanks

[silverfox1961]

Hi and welocome to CAG

 

Yes, ignore it. It is probably a phishing letter for someone with the same name.

 

What I would do though is get a copy of your credit file to make sure they haven't slipped a dodgy default against your bf

[Eric40]

Hi thank you for getting back to me so quickly. I think thats the best idea too. He hasn't got the best credit rating, I'm pretty spot on when it comes to finances, so kind of really helped him organise his money better.

Any debts he has he is paying and always been up to date and in control so this is just weird. The more i read about this mob on forums the more it convinces me for him just to ignore.

[Eric40]

Hi there, I am not very good at navigating around this site and not sure how to start a new thread.

 

My other half has had another debt creep up on him, he has forgotten about a lot of it due to illness.

 

The latest is from Amex although the letter has came through their Solicitor.

 

I have had to take control of it, although they think all correspondence is from him, via letter.

They called him at his place of work originally but I told him to make sure they don't do that again and proceed via letter.

 

He asked for proof of the debt, statements etc and they sent copies of the statements and the original application.

There doesn't appear to be a page about PPI etc, which I thought was odd, usually there is a box re insurance, should we request this?

 

Also they keep sending letters with the amount going up and up, it shows no interest rate etc, they just keep saying interest continues to run.

 

They sent out a form for him to fill in declaring his salary etc.

We sent it back stating what he earns, he has a mountain of debt that he is paying off which he does so very well, but it takes up a lot of his salary.

He doesn't own any home or car, in fact he lives with me and has pretty much nowt.

 

We put on the form that he pays rent to a friend.

 

He offered to pay an amount every month but say that Amex have not accepted this until he provides proof of his earnings and a list of creditors and payments to them?

 

It seems so personal, does he have to do this?

 

We also asked for details of the balance transfer, the amount on the statement looks like it was transferred originally from another account, he can't remember.

 

They have given us two numbers, the long ones, but we have no idea where these are from.

 

What should we do now?

 

Should we send a copy of his wage slip and a list of all the debts he is paying?

 

Many thanks in advance.

[Eric40]

Just wanted to say, been reading through so many different threads, this is a fantastic site and really helping a lot of people out there. What i find amazing is that when a lot of people are quite eager and happy to pay debts and manage them, lawyers and debt recovery companies go about it in such a horrible way, the way they word letters is quite threatening!

[IdaInFife]

If i were you i would send a sar and a cca request to try and confirm this debt. Do you know how old it is or when the last payment was made?

[Helpa]

Hi I wonder if someone can give me some advice. My boyfriend has received a letter, it was passed on via his old address about 2.5 years ago, so they don't have his new address.

The letter came from Fairfax Solicitors on behalf of their clients Max Recovery Limited. He has never heard of them before, and it states that he owes this Max Recovery over £5k. It's really bizarre and we're not sure what to do. I was thinking of sending these so called Solicitors a letter but then again I don't want them to have my address, my boyfriend knows nothing about it, it's weird. If he calls them then from reading other people's answers to this sort of thing that's the worst thing he can do, they'll then continue to send letters to his old address.

 

Is it wise to ignore it?

 

I'd much appreciate some advice on this.

 

Many thanks

Okay, Max Recovery buy bad debts from banks and other financial institutions really cheap and then chase it up and get whatever they can from it. If they have sent you a letter then chances are that your boyfriend has a credit card or other debt that he has forgotten about. He really needs to contact them and get it sorted out. If he doesn't it won't go away but will be hanging around forever and his credit rating will never have any chance of improving. It's tough but it sounds like he's trying to sort his problems so if he is, he should sort them all.

 

Good luck with it all!

[flowerchild]

it won't go away but will be hanging around forever and his credit rating will never have any chance of improving.

 

Good luck with it all!

???

Assuming it really IS his debt in the first place (it may not be those guys like phishing!) his credit file will be exactly the same whether he responds or not! Recorded defaults drop off after 6 years regardless! If it was his debt & it was recorded it would stay even if he started making payments so not much point really…

[dx100uk]

Okay, Max Recovery buy bad debts from banks and other financial institutions really cheap and then chase it up and get whatever they can from it. If they have sent you a letter then chances are that your boyfriend has a credit card or other debt that he has forgotten about. He really needs to contact them and get it sorted out. If he doesn't it won't go away but will be hanging around forever and his credit rating will never have any chance of improving. It's tough but it sounds like he's trying to sort his problems so if he is, he should sort them all.

 

Good luck with it all!

 

please ignore this post.

 

dx

[dx100uk]

ANY debt you are paying or thinking of paying

SHOULD show on his CRA file

 

any debt that DOES NOT

 

you SERIOUSLY need to question WHY you are paying it

 

dx

[Ogy]

fairfax are a very hard to deal with, becareful may be seek some advice

[dx100uk]

they are no diff to any other 'fake' for hire solicitor.

 

dx