Help needed - Text message from CreditStyle/CST Law

redundantfan

Hello,

I have received text messages (no letter) from creditStyle/CST Law asking me to contact them and quote a reference number. I am not sure what to do - there is no explanation as to the topic and I am wary of calling and giving them my email address or home address. I am not aware that I have any debt or unpaid bills.

Can anyone advise on the best course of action. Am I opening myself up to something if I give them my email or home address when they clearly do not currently have them? 

Thank you

sourcrates

We get similar posts to this all the time, and the answer is nearly always the same.

In order to comply with civil procedure rules, and to comply with FCA best debt collection practices, a company that is demanding money from you for an alleged unpaid debt must first write to you.

They send texts/emails or call you in the first instance, because it is cheaper and can be done by computer multiple times to multiple clients at once, we call this a "fishing trip" as they cast there net far and wide in the hope someone will bite.

You can ignore such calls and messages, nothing can or will happen to you if you do.

If they want to get serious with you, which they eventually will, they will write to you.

Once you get a letter, you respond with the provit letter available in the sticky section in the debt free wannabe forum, this asks them to prove you owe the money, regardless of whether you recognise the debt or not, they must prove your liability for it.

So until, or unless they write to you, continue to ignore them.

CliveOfIndia

Ignore it.  If a company genuinely believes you owe them a debt, you'll get a physical letter through your letterbox.  A text (or email) means nothing.  Ignore the text and block the number.

If you do happen to receive a letter claiming that you owe them money, and you're not aware of the debt, then you send them a "prove it" letter (template available on the Debt Free Wannabe board).  But unless and until you get a letter, do nothing.  It's either phishing or else a case of mistaken identity.

redundantfan

Thank you @sourcrates @CliveOfIndia , I appreciate the responses and reassurance. I'll hold tight for now and, if a letter arrives, will follow the process of the prove it letter.