Please help - Can this lead to a CCJ or are they phishing?
I'm not sure if this issue is best served in another forum but the main concern (for now) is if the issue will affect a credit rating and whether it can lead to a CCJ.
My friend used the services of a company called Bettermove to sell her flat. She said the person that she spoke to at this company was very nice, made her feel at ease with the hassle of selling her home and understood that it was a no sell no fee service. After quite a while, my friend was getting frustrated with the lack of prospective buyers and then she received a letter from a company called Honeycomb stating that she will need to pay £960 by a certain date if her property has not been sold by then.
It seems she was mis-sold a service but unfortunately and because my friend simply based the agreement with Bettermove on trust, she signed a document with the company Honeycomb who appear to be a finance provider.
Upset, my friend emailed the person at Bettermove to explain that she would have never agreed to such an agreement had she known she would've have to pay a fee regardless of her property not being sold, and the fact that they had not found a buyer for her home despite all the assurances they could quickly sell it. She did not hear from them or received a reply.
In the end, my friend sold her flat by other means and moved back to Turkey.
She keeps in contact with the buyer of her flat who now received a letter from a company called ACIUK addressed to my friend. They appear to be a debt collection agency that bought the agreement from Honeycomb who apparently no longer accepts new agreements.
The timeline for this is from November 2017 when she agreed to use the services of Bettermove, a letter from Honeycomb in June 2018 stating my friend needs to pay them £960 by November 2018 regardless of her property being sold, to receiving the letter from ACIUK in July 2023 at her old address.
Does this company ACIUK have the power to put a CCJ to my friend's name or to the property that she sold? I don't know how this works.
In fact, are they just phishing since it's been quite a while in which case just ignore the letter? That said, she doesn't want a CCJ placed on the property if that is at all possible as could it affect the credit rating of the new owner? My friend is worried that if she contacts them she will open up a can of worms. I'm sure this company doesn't care about the fact that she was mis-sold the agreement that has placed this debt on her head in the first place.
My initial thoughts are to go through any complaints procedure at Bettermove where perhaps they might get the debt cancelled but I don't know if either that's a good idea or possible?
Thank you for taking the time to read this and any advice you can give me that I can pass on to her.
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