AVOID: Trustpilot 4.8 hides reality. Ahmed A (3+ years ago) nailed it: bluff threats, illegal harassment, funds extracted coercively etc. Same issues today: “Amateurs. Do... AVOID: Trustpilot 4.8 hides reality. Ahmed A (3+ years ago) nailed it: bluff threats, illegal harassment, funds extracted coercively etc. Same issues today: “Amateurs. Do not be fooled if this 'debt collection' company threatens you with court action, bailiffs, bankruptcy, winding up petition etc. It’s all bluff, they have no qualified legal staff. Just a bunch of amateurs sitting in Scotland churning out threatening emails to intimidate. Well you've messed with the wrong guy this time. Here's why: The content of their 'without prejudice' emails are laughable, they attempt to make threats of legal action which are actually illegal and are harrasment as they fail to follow proper process. If you dispute a debt claim or part of it, do not get intimidated by their 'urgent' emails and false threats. Simply advise them in your own reasonable time that the debt is disputed and provide the reasons, and thereafter repeat yourself. For example, to wind up a business they would actually first need to follow pre-action protocols like issuing a Statutory Demand notice properly filled out and served, then after 21 days of service they would need to instruct a qualified solicitors firm and pay significant court fees (presenting a winding up petition would cost them UPFRONT a minimum £2000 to pay into court plus any lawyer costs, and they would probably not even get a penny out of it as HMRC, staff, bank etc come first as secured creditors in a business), which they would not risk doing where a debt or part is disputed, and where they stand to lose and be forced by the court to pay you damages and legal costs. Another example: to take County court action, they would need to send you a 'letter before action' setting out the full details of their claim, give you opportunity to respond, and then issue a claim form via a court (where they must pay fees first) and you'd then receive sealed form in the post from the court office giving you upto 28 days to reply, to either offer to pay or to give reasons to dispute the claim. If you dispute their claim - in full or in any part - several months later a court hearing would be fixed and you would have a chance to give your side to a judge. Their 'without prejudice' letters show you how poorly qualified they are as such communications cannot be used in court until costs stage, so they cannot prove to have followed pre action protocol. They cannot 'send a bailiff' to your premises unless they have first issued court action, you have had chance to respond to the court and to them (usually 28 days if you acknowledge) and only after there has been a hearing of both parties - usually several months down the line. IF they win at the hearing and get a judgment, and then IF you dont follow the terms of the judgment and then IF they apply for a warrant, only then can they instruct a bailiff. It's 6 steps (several months of time and costs) they have to go through first. Not just hope you'll pay up after a pathetic little email from them with lots of bold underlined capitals and 'urgent' slogans. Nothing from them is 'urgent', its all bs. If they persist in sending harrassing communications demanding money under threat of 'sending a bailiff' or 'winding up' simply report them to the Police. Its all bluff and they have no intention or ability to risk doing so. They must follow legal procedures, incur costs of doing that, not try to shortcut things illegally and hoodwink innocent people who dont know the law. Even if you dont dispute the debt, they are still required to follow proper procedures as above, and for you to arrange to pay. Dont them let them pressure you. In most cases you dont need to pay their added on costs or any additional fees, just pay the original invoice amount direct to the person/company owed. If you need help dealing with these cowboys on a debt you dispute (full or part) reply below and i'll be happy to do so free. Update: How interesting that after my post, three successive 5* questionable reviews of similar language are posted within a week, then deleted once exposed. Read more Read less

Their costs are not as advertised as in their TC there are more added cost.