Legal notice of attachment of earnings

I had an email from Grace Morgan from cbl which says 

 Hi Tim, This is Grace Morgan from CBL ( Collection Bailiffs Limited ). Hope you are doing well. I just would like to tell you that we have got a legal complaint against you from your creditors where you are not making the contractual payments or managing just minimum payments towards them.

So this is why these creditors have approached us in order to get the “CCJ” action against you. So that they can have the attachment of earnings with your income of £464.36 every month for these accounts with your income from this month itself, so that they can cover all the money from your side asap because as per the creditors they gave you enough chance to get the arrangements done through the government help known as an "IVA" but you refused to get that help and now they are looking to have legal action against you.

If you do not want to have any sort of legal proceedings and you are struggling with your financial situation and want to get these debts sorted, you do have "three options" left for yourself from these creditors apart from the CCJ.

If you wish to sort-out these debts. we will transfer you to our help desk team to get your finances back on track.

Hope to get a reply soon from your side.


Kind Regards!
Grace Morgan,
Enforcement Manager

Now the email was from a Gmail account and I was wondering if there's any advice.

I had replied saying

 If you can supply me with the alleged debt and the final payment I allegedly made for this debt.
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Comments

  • eskbanker
    eskbanker Posts: 29,811
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    edited 10 October 2023 at 6:43PM
    The contact seems informal, but do you recognise a backstory of significant debt, arrears, defaults, etc (as opposed to whether they can prove it), or is it news to you that creditors may be pursuing you?  Debt collectors are an unlikely source of 'help' though, so if you are up against it then there are likely to be more productive avenues, even if the contact is genuine....
  • user1977
    user1977 Posts: 13,269
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    CBL ( Collection Bailiffs Limited )
    There is no such company (not in the UK anyway).
  • Alderbank
    Alderbank Posts: 2,674
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    user1977 said:

    CBL ( Collection Bailiffs Limited )
    There is no such company (not in the UK anyway).
    Companies House does not agree with you

    https://find-and-update.company-information.service.gov.uk/company/07408649

    The link you provided doesn't agree either.
  • Grumpy_chap
    Grumpy_chap Posts: 14,361
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    Alderbank said:
    Companies House does not agree with you

    https://find-and-update.company-information.service.gov.uk/company/07408649

    The link you provided doesn't agree either.
    You seem to have linked to DCBL - Direct Collection Bailiffs Limited.  I think they are the company that do the TV shows like "can't pay..."

    The OP references Collection Bailiffs Limited.  No "Direct".

    The fact the contact is from a gmail address may indicate a scam / phishing attempt.
    The use of a similar company name to the large firm may be an indicator as well.

    In assessing whether this is genuine, the first thing for the OP is to confirm whether they are likely to have unpaid accounts that reflect the type of behaviour referenced in the e-mail received.
  • badmemory
    badmemory Posts: 7,491
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    Where did they get your email address from?
  • user1977
    user1977 Posts: 13,269
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    edited 10 October 2023 at 8:19PM
    Alderbank said:
    user1977 said:

    CBL ( Collection Bailiffs Limited )
    There is no such company (not in the UK anyway).
    Companies House does not agree with you

    https://find-and-update.company-information.service.gov.uk/company/07408649

    The link you provided doesn't agree either.
    There is no company called "Collection Bailiffs Limited". There is a company called "Direct Collection Bailiffs Limited", but that doesn't appear to be who the OP's correspondent is claiming to be from - and in any event DCBL use their own domain for email addresses, so it seems unlikely they'd start using a gmail address (as well as forgetting what they're actually called).
  • agree with @GrumpyDil the outreach is very unprofessionally worded (and from a gmail account). I’d ignore it - but I have no debts
  • As others have said, the language is totally unprofessional and not how a legitimate claim would be presented.
    if  they do reply to your request for more information, tell them you will only respond to written evidence of any debts, sent to your home address.
    Don’t supply your address, if they are genuine they will have that from any creditors they represent.
  • born_again
    born_again Posts: 13,542
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    I had an email from Grace Morgan from cbl which says 

     Hi Tim, This is Grace Morgan from CBL ( Collection Bailiffs Limited ). Hope you are doing well. I just would like to tell you that we have got a legal complaint against you from your creditors where you are not making the contractual payments or managing just minimum payments towards them.

    So this is why these creditors have approached us in order to get the “CCJ” action against you. So that they can have the attachment of earnings with your income of £464.36 every month for these accounts with your income from this month itself, so that they can cover all the money from your side asap because as per the creditors they gave you enough chance to get the arrangements done through the government help known as an "IVA" but you refused to get that help and now they are looking to have legal action against you.

    If you do not want to have any sort of legal proceedings and you are struggling with your financial situation and want to get these debts sorted, you do have "three options" left for yourself from these creditors apart from the CCJ.

    If you wish to sort-out these debts. we will transfer you to our help desk team to get your finances back on track.

    Hope to get a reply soon from your side.


    Kind Regards!
    Grace Morgan,
    Enforcement Manager

    Now the email was from a Gmail account and I was wondering if there's any advice.

    I had replied saying

     If you can supply me with the alleged debt and the final payment I allegedly made for this debt.
    Do you owe any debts?

    Goggle brings up nothing on any of the info above..

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