UMS/Gothia Property Visit Threat

[angeljs]

My husband and I have done all we can to settle any debt incurred while he was out of work.

 

Now we have received more than 1 letter from UMS in connection with a 'debt' to HFO Capital Limited,

which I can't recall offhand.

 

The letter shows large, purple letters stating:

PROPERTY VISIT

before saying they have been instructed to organise a visit to our property

to collect the full balance due or make arrangements for this 'long-overdue'

debt to be repaid as quickly as possible.

 

I've just drafted a CCA letter to send and was just wondering what else I need to do or be aware of.

 

Do I need to keep my house door locked?

[mch1991]

Don't worry about these parasites. They have no legal right to step foot on your premises (tell them to leave if they step foot on your property). A paperboy or milkman has more authority to come onto your property then some silly third party debt collection agency.

[Bazooka Boo]

Utility Management Services??

Part of the BCW Group (Buchannan Clark &Wells)

 

Debt collectors, NOT bailiffs. They have no legal right to knock on your door or even approach your property demanding money, if they do, tell them to leave, and if they don't then call the cops and have them removed.

 

Check your credit file first before sending them anything.

[Stigman]

If it's for a debt that you have no knowledge of & the letter does not state exactly what the debt is then I would just send the "Prove It" letter.

 

You can always follow up with a CCA request if the debt is CCA compliant.

 

Have you checked your Credit File to see if anything is registered or listed?

 

If anyone does turn up, tell them to leave your property, if they refuse call the Police who will remove them for you.

Please note that they are not Bailiffs and are just pathetic self employed wimps on 20% commission.

 

Also, do not ring them and if they ring you, refuse to go through the security questions, just say "in writing only" and hang up.

 

Stigman

[dx100uk]

are not HFO and BCW now dead in the water?

 

looks like UMS are trying it on for a debt that no longer exists!

 

dx

[Bazooka Boo]

Ah yes, Minded to revoke I see....

http://www.oft.gov.uk/shared_oft/consumer-credit/enforcement-activity/CEA-MTR.pdf

 

Report UMS to the OFT&TS, send UMS NOTHING!

[angeljs]

Thanks for all your replies, feeling a bit less stressed now.

[Bazooka Boo]

Send them nowt, just do your homework.

Check your credit files see if this appears anywhere on it.

 

Did you ever have any dealings with HFO?

[angeljs]

I honestly can't say. Should I still CCA?

[dx100uk]

no

 

credit file?

 

dx