K.M.Investigations Warrington

[alisono]

I have a debt with a Company Car I bought that was then repossed. The original debt collectors Imperial Solutions in Scotland I sent a request for an SAR and a Copy of CCA back in June this year. To date I have received nothing back at all from them. Today I receive through the post from another debt collecting agency KM Investigations the same requesting I pay them and they are now collecting the same if I wish Bank of Scotland plc (formerly Capital Bank) will accept 50% if I pay within 10 days. What is my best course of Action?

[djdave]

Write back reminding them that as they have not complied with the CCA request, the account is in default and as such they are breaching OFT guidelines on unfair practice in debt collection, as well as breaching the Act itself. I'd also be reporting them to Trading Standards for failure to comply with your requests.

 

Also it's worth checking that they're not recording defaults on your credit file while the account is in default.

[alisono]

I have a debt on a car that was repossed in Dec 2006.

The company Bank of Scotland Plc (formerly Capital Bank)

They issued a debt collecting agency Imperial Solutions in Scotland, I took your advice and asked for SAR and CCA back in June, but have had no reply at all from them.

Today I have got a new letter from a completely different debt collector in Warrington asking me to pay them for the same debt, what's my course of action any help please.

[tomterm8]

SAR Bank of Scotland Plc and CCA the new DCA.

[alisono]

Thanks will do that today... Why do you think they have changed the collector t another company?

[alisono]

Do I write back to both debt collectors as well as the bank or just the bank and the new collector?

[tomterm8]

Thanks will do that today... Why do you think they have changed the collector t another company?

 

It's just normal turnaround. Debt collectors normally return a debt if they can't get any money from it in 3 months / 6 months (depending), since most contracts specify that after a certain period of time they will be commited to purchasing the account / chasing the debt.

 

They obviously don't think you are worth their while, and so just passed it onto the next debt collector.

[djdave]

You shouldn't have to write to both, but personally I'd send one to Imperial Solutions reminding them of their obligations, and a quick note to KM telling them to refer back to IS.

 

Incidentally, can you give any more info about KM Investigations? The only stuff I can find on t'internet seems to indicate that they're at best a two-man band with no consumer credit licence. I just need to make sure we're talking about the same company before I continue...

[gizmo111]

2 threads merged - please keep to one so people can advise on you in one place.

[alisono]

Thanks, I will send a letter to Bank of Sccotland plc (formerly Capital Bank) and will also send a copy to the new Debt collector should I enclose the orignal copies I sent to the first collector asking for the SAR and CCA they cashed the postal orders but I got no response.

What is confusing is that this debt collector states if I pay them half the debt within 10 days that wil settle it?

Also the reference of the debt they have sent me soesn't match the original one of the car?

[alisono]

K.M. Investigations

Debt Recovery & Tracing

Suite 103-104 Lovell House

412 The Quadrant, Birchwood Park,

Birchwood

Warrington

Cheshire WA3 6FW

 

tel 01925 821175/ fax 01925 828378

 

signature K DOWLING

[clutchingatstraws]

Rented offices along with plumbers.

 

I suppose they are the only ones who can stand the smell.

[alisono]

Hi, I have spoke to Imperial who say they have no dealing with this matter now and referred me back to Bank of Scotland. djdave did you find out about KM investigations?

[djdave]

Pretty much the same as clutchingatstraws. They're a two-man-band in a rented office on a trade estate. Mr K and Mrs M Dowling are the K and M in the company name.

 

They haven't got a website or even a proper email address - just an AOL account. Very professional.

 

MEPC - Birchwood Park, Warrington - K M Investigations De

[MARTIN3030]

Although this is an old thread,I am updating it with further information which anyone searching should find may be useful.

 

Here is some details from their Consumer Credit Licence;

 

Licence Number:0328298

Licence Status:Current

 

Current Applicant / Licensee:

 

Name Kenneth Thomas Dowling

 

Categories:

 

Credit brokerage Debt adjusting/counselling Debt collecting

 

Right To Canvass Off Trade Premises:No

 

 

Trading Name(s) (Current):

 

K M Investigations

 

Trading Name(s) (Historic):

 

K & M Investigations

 

Issued Date: 05-Dec-1991

Expiry Date: 17-Jan-2012

 

 

Legal Formation:

 

Sole Trader

 

Nature of Business:

 

Debt Collection

 

Current Address(es):

 

Address TypeAddress Principal Place Of BusinessSuite 103-104, Lovell House, 412 The Quadrant, Birchwood Park, Birchwood, Warrington, Cheshire, WA3 6FW

 

Historic Address(es):

 

Address TypeAddress Correspondence7, Carrington Close, Locking Stumps, Warrington, Cheshire, WA3 7QA Principal Place Of Business22, Marsh House Lane, Padgate, Warrington, Cheshire, WA1 3QY Principal Place Of Business7, Carrington Close, Locking Stumps, Warrington, Cheshire, WA3 7QA

 

It was formerly in the name of Kenneth Thomas Dowling,but the K.M Investigations was added,as can be seen from historical CCA entries.

 

It appears the K.M is reference to Kenneth and the M -to Maureen both Dowling.

The historical addresses listed showing Locking Stumps and Padgate,are both residential areas.

Birchwood Park is part of the former UKAEA site at Risley,and the Quadrant has evolved offering office space.

 

K.M also reference tracing on their letterheads in the form of [email protected]

They also give 2 local Warrington telephone numbers.

 

Having seen recently one of their demands for repayments sent to a friend of mine,I am concerned very much by the ambiguity of the letterhead.

There is no Vat number,No company number (if it applies)

I am in the process of doing checks on any registration with the Information Commissioner.

Any one with help or questions about this company should post a new thread in the debt collection forums.

This thread will now be closed,should you need further specific help or questions send a report to site team by the black triangle.

Anyone with information they feel should be looked at can also send it to me by pm.

[MARTIN3030]

Added;

 

ICO Licence appears valid until July 2011

Registration Number: Z5509470

Date Registered: 03 July 2001 Registration Expires: 02 July 2011

 

Data Controller: KEN DOWLING

 

Address:

SUITE 103-104 LOVELL HOUSE

412 THE QUADRANT

BIRCHWOOD PARK

BIRCHWOOD

WARRINGTON

WA3 6FW

Other Names:

KM INVESTIGATIONS

[MARTIN3030]

Further update October 2011.

 

Registration Number: Z2707236

Date Registered: 31 May 2011 Registration Expires: 30 May 2012

 

Data Controller: PETER KISSACK

 

Address:

K M INVESTIGATIONS

103-104 LOVELL HOUSE

412 THE QUADRANT

BIRCHWOOD PARK

BIRCHWOOD, WARRINGTON

WA3 6FW

Other Names:

K M INVESTIGATIONS