BoS Compensation Cheque - Scam?

[deimosboy]

Hi,

 

I received a letter in the post today with a cheque attached for £50.

I have dialed the number for customer services but no anwer just automated then music.

 

I have an old debt to Capital Bank lost my job and defaulted but think it was after 2007 so if they passed the debt out to a DCA would be around 2009.

 

Anyway things going through my mind

 

1) is this just an out an out $cam

2) Is this a clever new DCA technique I bank the cheque they now have my confirmed home address and my bank account can be identified from the account it is cleared through.

3) Just paranoid about my past catching up to me, it is legitimate.

 

Thanks

 

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Edited June 16, 2015 by deimosboy

[BankFodder]

You'll have to post the letter as a PDF.

[deimosboy]

Attached now as pdf

 

[ATTACH=CONFIG]58080[/ATTACH]

[SabreSheep]

OK they charged you some fees before transferring the debt to the DCA

 

They have credited your account now with that amount and offered £50 compensation.

 

The questions above are the wrong ones in my opinion. they should instead be;

 

1. How many charges did they levy and why

2. Why are they so eager to give me compensation if I did not ask for it

3. What are they hiding?

 

I for one would be looking at a full SAR to them asking for all info on the account since the dawn of time.

 

Depending on the type of account this is, were those charges applied to a balance where compound interest was charged for instance?

 

I would not be accepting "their offer" until you understand it.

[Mik53b]

I've received the same letter fora 2009 capone account and feel slightly suspicious.