Eleven and a half years after repo problems my spouse received two letters from Facility Trading Services Ltd of Fleet, Hampshire, company number 3689222. They're a separate company from Facility Trading Services (North) Ltd, company number 4203879, which has been mentioned on this (great!) website before.(posted 7602 days ago)The first letter says that FTS act on behalf of Knowle Portfolio Investments Ltd who appear to have bought an old mortgage debt from the original lender, and that Knowle want to be paid in full. The second letter says, without prejudice, that they'd consider a sum less than the full balance (aha!) or an installment payment arrangement (dream on!). They look forward to a phone call, they say.
From that, a couple of questions arise and I'd be very grateful for answers:
1. Most importantly: Has anyone dealt with these cowboys^H^H^H^H^H^Hbusinesspeople before and what minimum percentage of their claim are they likely to accept to go away ?
2. How likely is it that this letter is just a fishing trip to verify my spouse's address and that they get more aggressive once they have such verification ? Their second letter sounded almost nice ;-(
3. Facility Trading Services Ltd (no. 3689222) is not registered with the Data Protection Registrar / Information Commissioner. Facility Trading Services (North) Ltd (no. 4203879) is, but they're not the ones chasing my spouse. What mileage is there in putting the DPR onto FTS Ltd ?
4. Do FTS or Knowle have any tricks or underhanded behaviour up their corporate sleeves that haven't been mentioned on this website yet but have been experienced by a victim^H^H^H^H^H^Hcustomer ?