Who Are AYL

AlwaysOnTheGo

So yesterday I receive this email and attachment. No hard copy letter

EMAIL
from [email address admin at ayl org uk]
CLIENT: xxx
Amount due £93,102.48
(Including costs & interest)

Dear yyy
Our Client has placed your account with our company for immediate collection action.
Calculation of indebtedness:
Capital due £73,269.58

Interest claimed at a rate of 8.5% per annum £19,832.90 and continuing at the daily rate of £16.06 In order to avoid further collection activity, the above amount must be paid in full by return mail, bank transfer or by telephoning 01474 708 497 and making payment over the phone.

AYL Client Account
Account Number: {Edited by Forum Team}
Sort Code: {Edited by Forum Team}
Reference: xx/yy

Please find attached Assignment of Debt for your information.
Yours faithfully
{Edited by Forum Team}
Collections and Investigations
AYL Commercial
PO Box 423
Dartford
Kent
DA1 9LS

01474 708 497
aylcommercial co uk

Please note we do not accept service by fax or email
________________________________________________
and here is the attachment wording

[company logo letterhead], no address
[address to the company directors home address]

Dear xxx
Notice of Assignment of Debt
We hereby assign all rights and financial rewards from [company name] for the payment made to yyy on [date in mid 2009] for the sum of £3000 for the sum of £1

Yours sincerely
[name]
Company Secretary

____________________________________

Years ago this gentleman gifted me £3k and I offered to pay it back, in writing. He refused, verbally, saying it was a gift. We fell out earlier this year and now this. Where do I go with this please and before you ask I don't have £93k sitting around.[/email]

jonesMUFCforever

Whatever it is you probably have a virus on your device now.
Bin it.

Richey_

The fact that the website lists a mobile number makes it immediately very suspicious!!

AlwaysOnTheGo

The only information I can find is that the sender, has a linked profile that shows she simultaneously works for 2 companies with identical job descriptions. The other being Carton Business Services who had their consumer credit licence revoked in 2011 after using scare tactics to force indebted consumers to pay up.

That company was found to lack sufficient skills, knowledge and experience to operate a consumer debt collection business. Specific points raised included that it did not have procedures to deal fairly and properly with consumers in place and that the payment demand letter was designed to look like an official or legal document, against OFT guidance. Finally it was noted that the managing director's described himself to debtors as a lawyer intended to create a misleading impression.

How do I find out if they have a consumer credit licence and who the MD is for both companies ?

I'm scared to bin it incase the 'debt' is increasing and I feel I need to acknowledge it but am also worried that if I acknowledge it in any way I am accepting liability.

[Deleted User]

Just ignore it and if they must let them take you to court it would at least be a fun day out, of course they won't turn up.

dealer_wins

AlwaysOnTheGo wrote: »

So yesterday I receive this email and attachment. No hard copy letter

EMAIL
from [email address admin at ayl org uk]
CLIENT: xxx
Amount due £93,102.48
(Including costs & interest)

Dear yyy
Our Client has placed your account with our company for immediate collection action.
Calculation of indebtedness:
Capital due £73,269.58

Interest claimed at a rate of 8.5% per annum £19,832.90 and continuing at the daily rate of £16.06 In order to avoid further collection activity, the above amount must be paid in full by return mail, bank transfer or by telephoning 01474 708 497 and making payment over the phone.

AYL Client Account
Account Number: {Edited by Forum Team}
Sort Code: {Edited by Forum Team}
Reference: xx/yy

Please find attached Assignment of Debt for your information.
Yours faithfully
{Edited by Forum Team}
Collections and Investigations
AYL Commercial
PO Box 423
Dartford
Kent
DA1 9LS

01474 708 497
aylcommercial co uk

Please note we do not accept service by fax or email
________________________________________________
and here is the attachment wording

[company logo letterhead], no address
[address to the company directors home address]

Dear xxx
Notice of Assignment of Debt
We hereby assign all rights and financial rewards from [company name] for the payment made to yyy on [date in mid 2009] for the sum of £3000 for the sum of £1

Yours sincerely
[name]
Company Secretary

____________________________________

Years ago this gentleman gifted me £3k and I offered to pay it back, in writing. He refused, verbally, saying it was a gift. We fell out earlier this year and now this. Where do I go with this please and before you ask I don't have £93k sitting around.[/email]

If you genuinely received a £3000 gift and then offered to repay it and was refused, then ignore anything thats sent to you and move on.

AlwaysOnTheGo

Absolutely geniunely.
Happy to now file this in my PlonkerMail file with all his other emails. Thanks

bris

Do people still fall for these scams?

pappa_golf

seems to be over 6 yrs ago , why have they not started court action within 6 yrs?

poppasmurf_bewdley

If the loan was more than six years ago, and you haven't made a payment or acknowledged the amount as a debt in those six years, then the debt is statute barred anyway and cannot be taken to court.

So sit back and have a cup of tea.

AlwaysOnTheGo

Are you sure pappagolf and poppasmurf, I received this today again by email.

URGENT ATTENTION REQUIRED

RE: xxx [the gentleman pushing action]
O/S Amount: £93,134.60
(Including costs & interest)

Dear yyy

We are required by law to notify you that it is the intention of our Client to proceed with Legal Action through the Court to recover the outstanding amount as detailed below.

Calculation of indebtedness:
Capital due £73,269.58

Interest claimed at 8% per annum £19,865.02 and continuing at the daily rate of £16.06

It is hoped that you will address this matter within the time specified in order to avoid this action and further expenses.

With respect we would therefore suggest immediate action.

Payment can be made by direct bank transfer, or cheque, made payable to AYL COMMERCIAL and sent to the address below.

AYL Client Account
Sort Code: {Edited by Forum Team}
Account Number: 60685046
Reference: xxx/yyy

Yours faithfully
60685046
Collections and Investigations
AYL Commercial
PO Box 423
Dartford
Kent
DA1 9LS

01474 708 497
www aylcommercial co uk
Please note we do not accept service by fax or email

Should I acknowledge this at all ?