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    • good idea take some pix and put them in a PDF read UPLOAD dx
    • thread title updated moved to overseas debt forum. sadly as they are outside any UK jurisdiction upon DCA rules which state in the UK they must not call employers, there not alot you can do to stop these scammers. make sure you totally make private ALL social media twitter/facebook/linked in etc etc as there no-way for them to findout where you work otherwise so you must have a leak somewhere. find it. your employer details arent even legally available to UK DCA's so how have they found it out to date???  simply write to the BANK informing them of your correct and current address ALWAYS!!. if you want to arrange payment or not TO THE BANK ONLY thats upto you. never ever ignore a Statutory Demand a Letter Of Claim a Court Claimform. if if if any of those ever happen. till then ignore and rewash. dx    
    • Date of issue –   13 may 2024 AOS date 31st may defence filing date 14th june plenty of lowell card claimform threads here use our enhanced google searchbox Lowell card claimform id be reading at least 5-10 threads a day. do NOT MISS your defence filing whatever happens.  
    • Hello All,  I’m hoping someone can help me urgently here. Firstly, I’d like to say I have read multiple other threads and have some what an idea of what I should be doing, however my case might be slightly different so coming with my own questions here.    my situation is I lived in Dubai and had a credit card and a loan, loan with HSBC and credit card with Emirates (or the other way round), I lost my job and was forced to leave the country as I was staying in the country on my companies visa.    since coming back, after a few years 2 different debt collections agencies have been approaching me (one being IDRW and the other J&P). I’ve never answered IDRWW and they constantly chase me by calling and messaging me and my employer. My current company is ok with this as I explained the situation but I’m soon to be joining a new company who definitely won’t be ok with being messaged and called. I’m afraid to continue to ignore them as they may message and calm the new employer as they have before and I’ll lose my job. However, it seems clear from these forums that dealing with the debt collection agencies is never a good idea. You shouldn’t agree to the amount or pay anything.    j&p caught me on my phone but I still haven't sent them any money or confirmed the amount they’re saying is owed, they keep pushing to pay off the “principal” amount by making monthly payments, from reading these forums it seems like if I make one of those payments (they have provided bank details for ENBD), then it’ll just be paying off interest and not actually clearing the principle debt and the bank won’t even approve receipt of payment or that it’s coming off principle.    this is my predicament as ignoring them might not be an option if they chase my new employer. Maybe there’s a way to ensure the debt collection agency don’t contact my new employer?? I don’t know? Massively appreciate peoples help here. Thanks, 
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Plusheat Boiler service contract/UK Search - email chasing supposed debt from numerous years ago


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Hi CAG. Happy New Year to you.

On 2nd January I received an email and as it appears to be from a debt collection service / people tracking service, I'm concerned and unsure how to respond, or if I should.
Any advice would be appreciated.
Thank you.

Dear Sir/Madam,
This email is intended for xxxx xxxxx. If this is not you or you do not wish to receive communications to this email address, please let us know by telephoning us on 01246 488916, quoting reference 4184734.
Opening Times excluding public Holidays
9am-7pm Monday to Thursday
9am-5pm Friday
9am-1pm Saturday
If we do not hear from you then we shall assume that this email address is correct and will continue to correspond with you on this email address.
To unsubscribe from these emails please call us on 01246 488916 however we will continue to contact you by telephone and letter.
Yours Sincerely,
Jon Kirwin
Chief Operating Officer

 

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The phone number they quote has had some negative reviews online.

When you reply about their email address, could you confirm if it's your name please?

I wouldn't contact them at all until we can get to the bottom of this.

HB

Illegitimi non carborundum

 

 

 

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Hi honeybee13, thanks for your help,

the email address is [email protected]

WWW.UKSEARCHLIMITED.COM

Welcome to UK Search Limited, a niche debt collection agency. Our Directors have over 100 years' experience in this sector and are all debt collection practitioners.


I'm unaware of any debt, as far as I know everything I need to pay gets paid, and Ive had no requests nor demands from anyone else, 
things like this do cause me concern unfortunately, I can be a worrier ..

I'd like to know why they are contacting me and what information they hold on me

Thanks 

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Hi, yes it is my name
However Im on the electoral register, also in companies house, also have a website for my work, Im very easy to find, it puzzles me why they are asking is this me

thanks

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Suggest that you do absolutely nothing. Don't respond. Don't telephone. Don't unsubscribe – nothing. Do nothing at all to suggest that you may have received the email or that they may have communicated with the correct email address.

Stand by for my site team colleague @dx100uk

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very well known here

Programmable Search Engine (google.com)

clickme^^^

typically old utils debts.

have you moved in recent years?

is your credit file clean?

no old debts showing that you walked away from?

but dont worry about them.

just remember just like any DCA -  these people are totally powerless and are NOT BAILIFFs

and have

ZERO legal powers on ANY debt - no matter what it's type

dx

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi dx100uk, thanks for your time.

I have no debts that I am aware of, and every company I have or continue to deal with have my address and contact.
I have always made efforts to be transparent and keep bills / other payments up to date for my own peace of mind.

Do I ask them what they want by return email or just ignore?

thanks
 

P.S. Yes I moved 2 years ago, and left forwarding address etc, with new owner and post office. Also, my credit file - does this mean its clear (please see screenshot)

creditscore.pdf

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oh you ignore them anyway!! as with every DCA unless you ever get a letter of claim

but as you appear to have no debt then :noidea:

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 months later...

Hi, well here I am again ..

I received another email from these people, and then followed by an SMS with a link to " a letter regarding plusheat"

I haven't opened it.
I know of plusheat, I used them for boiler service and insurance many years ago at an old address. They were pathetic at best
and tried to renew my agreement indefinitely ! we had a fight over that and after clawing a few quid from me I left them.
I changed to British Gas instead.
The only thing I can think of is they are trying it on but its been years since Ive had any contact with them, I've been in my new address for 2

and its was several years before that when I last had contact. Not sure what I should do, advice appreciated.

thanks 

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nail then in their box now you know what it's about.

sent 'em our sb letter from the debt collection library  in reply to their email (just hit reply) and attach it as a PDF

but ensure it has your current and correct address on it.

it's just a phishing attempt hoping people that get these emails blindly cough up as they know no better and think a DCa is a bailiff.

dx

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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cant hurt but it makes no odds to it being sb's if the last payment by you was +6yrs ago. totally immaterial rubbish.

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi, thanks ..

It seems my last contact was less than 6 years ago, I have a communication with them on April 1 2020.
They tried to stop me cancelling and told me I could only cancel within a 2 month period at the end of a 1 year agreement.
No communication since, until now. If the DCa is 'serving' some kind of notice, should I go and get it? 

Plusheat is just a service engineer broker, he has freelance tradesmen and passes on jobs to them retaining a fee I believe,

he's well known for locking people into their agreement, which also states 

"This Service Agreement is not an insurance policy and therefore is not regulated by the Financial Conduct Authority (FCA). It is a Service Agreement to provide ongoing routine servicing, repairs and assistance at your property, at our sole discretion, whether or not any breakdowns occur." 

Im curious about what they want, (they - 'he' really, its 1 guy Liam Clancy)
It can only be money, for a service Ive not used, did not renew, and argued furiously to cancel.

thanks for any advice offered. 

 

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Having had "contact" does not automatically mean the debt is not yet statute barred.  It depends what the contact was - have you kept a copy of it?

It will be statute barred if you have not made a payment towards the debt during the last six years and you have not written to the creditor admitting you owe the debt during the last six years ("acknowledging the debt" is the legal term). So have you 'acknowledged' the debt in your last contact? When did you last make a payment towards the alleged debt (I'm guessing the answer is never!).  If it's only borderline whether 6 years has passed we'll need to look at exact dates for when the 6 years started running.

I wouldn't go straight for the SB letter at this stage. Open the letter they sent you and post it on here (redacted of all personal information, reference numbers etc). Let's see what it says before you reply.

If it isn't very specific but states you owe a debt to plusheat my suggestion is to write by post to them (get proof of posting) 

-- confirm your name and current address [important to avoid a backdoor CCJ if it turns out not to be statute barred]

-- state "I do not acknowledge any debt owing to plusheat and do not admit any liability to them." No need to explain or justify that, it's just so you don't inadvertently reset the SB clock.

-- Any future correspondence to me must be by post. Do not email text or phone me.

If they then follow up with more specific claims that's when you can roll out the SB letter, but get all their allegations and claims on the table first so you know exactly what you are dealing with.

Then you can ignore them unless you get a formal "Letter of Claim under the Pre-action Protocols" [PAPLOC] letter or anything from a court.

 

 

 

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Thank you Ethel Street 👍

I'll do that and get back here

 I actually laughed out loud when I saw this.. how pathetic, and there I was worried about it.

Type of Debt:

Boiler Cover Arrears UK Search Reference: .. Reference: ... Debt Amount: £69.36

We act on behalf of our client PlusHeat who has instructed us to recover the amount of £69.36, being owed to them under their reference above.

As you have not responded to earlier communications to clear this debt in a satisfactory way, you should now deal directly with us.

You can contact us today using the methods outlined within this letter.

If you are unable to pay in full, call us immediately with your proposals for repayment.

We will consider repayment by instalments, based on your individual circumstances.

If you do not respond to this letter within 7 days, we will need to escalate this matter to recover the debt on behalf of . If you call us, we will explain this further. Ways to contact us: Call us on 01246 488918 Email us at [email protected] Text to 07515294705 and we will call you back Manage your account online, make a payment or start a Web Chat by visiting:

no date nor indication of when this 'debt' is from .. 

 

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Write to them as I suggested then ignore any further contacts. Just get proof of posting from a post office in case you ever need it. As you say they give no dates so don't get into SB, not necessary, save that for if they take it further.  Given the trivial sum involved I'll be surpised if you hear any more.

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its all DCA's can ever do .....con people out of money. end of no if's or buts.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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