Emails from IMFS

[Cjp2308]

Has anyone had any dealings with IMFS? seems to be on behalf of IGO4 who I had car insurance with 2016 as far as I was aware was paid in full. The last contact I had was them sending proof of new claims which I don’t think they do until policy*is up to date.

I received this email numerous times into junk/spam, can’t see anything on credit file reflecting this though so unsure what my next steps should be - I’m guessing there must be outstanding balance and I’ve changed address since I’ve taken out the policy, I haven’t responded to any emails yet.

Who should I contact as their seems to be 3 different companies involved, IGO4, IMFS and JC International, Thanks in advance*

Our Ref: *
Client Name: *JC International Acquisition, LLC
Client Reference:*
Creditor Name: IGO4 LIMITED
Portal Passcode:*

Balance Due: *£69.85

Please contact IMFS urgently on 0113 350 8520 quoting*

Our efforts will continue until this matter is resolved.

[des8]

JC International are debt purchasers, so have probably bought a book of debts from the insurers
IMFS are debt collectors.

Your choices are to ignore IMFS, who it would seem don't have your address.
You could send a SAR to iGO4 who are insurance brokers, to find out what you owed (if anything ... mistakes do happen!)
Pay up and it all goes away!

[Cjp2308]

Thanks

It seems to be IMFS sending these emails, should I engage with them at all? How far can they take this? It’s a minimal amount in the grand scheme of things and wouldn’t want this to affect my credit rating.

would it be worth sending a SAR to IMFS?

Thanks again

[des8]

I wouldn't communicate with IMFS or JC International.
One is a debt collector, the other a purchaser and they will only have minimal information.
They don't seem to have your address so just ignore them for the moment.

Send the SAR to iGO4.**
The info they supply you should enable you to ascertain whether or not there is an outstanding debt.
At that point you will be able to make a decision on whether or not to pay.

Have you checked your credit ratings?

[Cjp2308]

Thanks - nothing showing on report for IGO4, I'll do the SAR as you say and make a decision from there.