Credit Style Limted - letters received

[StuH]

Hi there, about six weeks a go I received a letter from a company called Credit Style Ltd requesting payment for an outstanding debt of £1453.00. The debt is for invoices owed to Emma Mattress, ownership of this debt taken on by Payolution GmbH, a client of Credit Style Ltd.

I had never even heard of Emma Mattress let alone purchased anything from them. I tried to contact Credit Style Ltd in the first instance however they were closed. Emma Mattress appears to be a German company with the only form of contact via an online contact form, as yet I've not had a response. I contacted CAB who did not really offer much advice other than don't pay anything. I contacted Experian as I pay for what I though was extra protection and help and they were shockingly poor. I eventually contacted Credit Style Ltd who informed me they would look into the matter.

I have today received another letter from Credit Style Ltd stating that as I had not contacted them regarding the outstanding debt they are threatening a CCJ. I'm starting to get stressed by this. I don't know what to do next other than see a Solicitor but I can't spending hundreds of pounds on legal advice. I feel a bit stuck in truth.

[Setmefree3]

Send them a CCA Request with proof of postage. Template here https://legalbeagles.info/library/gu...etter-example/ then post up reply when you receive it.

Just print your name at end of letter.

[AnsleyDyson]

Hi Stuh, did you manage to get this resolved? I've heard a couple of instances of Credit Style Limited being very poor to deal with so I'm just if/how you managed to fix this irritating scenario.

For others reading this thread, before getting in contact with a debt collector like Credit Style asking for proof or sending them a CCA request, you should simply check your credit file first to see if there is an outstanding default with any of the companies mentioned on the debt letter.

Credit Style, like many debt collectors, send out bulk letters to hundreds of addresses trying to the right debtor and a secondary affect of this is that people who do not owe debts receive letters at their address and start to panic. You should never do this but simply check your credit file first and if nothing is clear then you can send a proof it letter.