Who Are AYL

pappa_golf

how did they get your email address?


seems like a bit of a small company , even lists his mobile number http://www.aylcommercial.co.uk/contact


cant seem to find them listed at companies house tho ,

Stevie_Palimo

I'd email them back and say do one. Or just delete and ignore.

pappa_golf

why are they not listed at companies house , why is the bank account listed in leistershire , ,


yrs they are required to inform you of court action , a letter before claim , which is specific in its wording and should be sent by ROYAL MAIL


due to the timespan and idiotic communication , I would mark it as span , do NOT contact them and await a written formal notice , unless you have a spare £73k

poppasmurf_bewdley

See this for information about statute barred debts:
https://www.nationaldebtline.org/EW/factsheets/Pages/25%20EW%20Time%20limits%20for%20recovering%20debts/Default.aspx

As you're getting emails from a company which doesn't seem to be listed at Companies House (an offence), telling you it doesn't accept service by fax or email, about a debt which has mysteriously risen from £3k to £93k, I think you can take it from me that it is some sort of scam by your former friend.

Take the advice above. Tip it into the spam folder, and tell them you'll see them in court.

Madbags

I can't see anywhere from the company name, the email or the website that it is or purporting to be a registered limited company so why would be on Companies House. It's probably a self employed/sole trader who may be operating a PAYE scheme.


Either way unless you get something in writing in the post I'd be a bit wary about replying or taking action on it.

National_Debtline

Hi AlwaysOnTheGo


Not much to add to the above, other than to say that personally I'd be inclined to keep the AYL correspondence in a folder rather than simply binning it. If you end up having to make formal complaints about their activity it will be useful to have this paperwork to hand as evidence.


It does rather sound as if they are trying to strong-arm you into paying up no questions asked, and I appreciate that it must be causing you concern. However, simply sending you these emails does not comply with the pre-court action protocol - and that is before we even address the question of their fitness to trade as a debt collector.


Dennis
@natdebtline

AlwaysOnTheGo

I have had a web chat with national debt line today and was advised to send a 'time has run to recover the debt' letter recorded delivery to them, which I have just done. This forum has been a huge support to me over this. I won't bin the emails and my letter, just file them away. Thanks All

poppasmurf_bewdley

AYL Commercial. I've just had a look at their website.

No mention of a licence from the FCA, so they are committing an offence as I believe it is compulsory for all debt collectors to show this information.

eg. This is from the Lowell Home Page:
Lowell Portfolio I Ltd and Lowell Financial Ltd are companies registered in England and Wales under Company Reg. No: 4857418 and 4558936 respectively. They are authorised and regulated by the Financial Conduct Authority in respect of consumer credit regulated accounts. Registered Offices: Ellington House, 9 Savannah Way, Leeds, LS10 1AB

I'd be tempted to ring them up and ask for their licencing details. If they can't provide them, a quick call to the FCA about a dodgy debt collector would be in order.

AlwaysOnTheGo

National Debt Line told me not to ask for anything just send a 'time has run out letter' and wait.
Letter now sent. Will post any updates

Clive_Woody

AlwaysOnTheGo wrote: »

National Debt Line told me not to ask for anything just send a 'time has run out letter' and wait.
Letter now sent. Will post any updates

I would agree with that advice, entering into discussions with them will only prolong this and best to save yourself the stress and hassle.