As a final thought, A question. Say you had a firm where you issued loans for those who were less well off.
Baring in mind, that if you were seen to be to soft, no loans would ever get repaid, and then you would have no money to lend anyone else?.
A question all credit unions have to face.
you should be blocking and bouncing all emails regarding any supposed debts
same as you should never discuss debt at your door nor over the phone to any DCA.
a dca is not a bailiff
zero legal powers on any debt.
in this case as you've been reading like threads
you should already be aware CRS are harlands in a different frock
look at the addresses.