Action Fraud are warning UK based consumers and businesses to be aware of a new type of financial scam, fraudsters claiming to be bailiffs are sending SMS messages or making calls to targets across the UK in the hope of pressuring them to pay fictitious debts.
The scam sees victims receive texts by the fraudsters about the fake debt, claiming that they will "attend your address for resolution" if payment of the imaginary debt is not made.
Some of these texts include contact details for the fake bailiffs, but many do not and these latter messages are causing fear and confusion as people genuinely believe a bailiff is coming to seize goods. We have received dozens of calls over the last month from concerned members of the public who have received text messages similar to those described below and they do cause genuine concern.
If you have received one of these messages then do not panic, as our investigations show these messages are spam/fake and we have received no reports of any of the promised visits occurring in the past year.
Thankfully for the recipients, these types of actions are easy to distinguish from those of a genuine Bailiff, High Court Enforcement Officer (HCEO) or even debt collector.
- Send an anonymous text message.
- Cold call and demand immediate payment over the phone "to stop enforcement".
- Refuse to confirm the name of the creditor or the reason for the alleged debt.
- Refuse to provide contact details for the company, hide the name of the company or the names of its agents.
A Bailiff or High Court Enforcement Officer will always:
- Write by normal 1st class post to the enforcement address before any visit takes place.
- Carry identification to confirm their identity and the identity of their employer.
- Carry sufficient documentation to confirm the judgment is valid and provide details, including the court claim number, when requested.
- Leave a sealed notification of attendance if they have visited an address in an effort to secure payment.
An example of some of these types of messages can be seen below:
They are usually from DSCOLLECT this is not us. There are sometimes different letters in front of the collect. Any text from us would include our contact number and would be from DCS UK Ltd
"This is an important message for the immediate attention of [YOUR NAME] only. Multiple attempts to contact you have failed. Enforcement agents will be attending [HOUSE NUMBER] [POSTCODE] imminently for immediate resolution."
"This is an important message for [YOUR NAME] only. We have failed to contact you to resolve your outstanding balance arrears. This has now been passed on to enforcement and collections. Enforcement agents will be attending [HOUSE NUMBER] [POSTCODE] on [DATE].
"DO NOT IGNORE. This is an important message for [YOUR NAME]. We are attending [HOUSENUMBER] [POSTCODE] within 7 days to resolve balance or list goods for removal. If you are in any legal / asset / debt protection scheme, please have relevant documentation available."
Again these messages seem designed to scare people into taking action, but unluckily for the scammers the service they are using to send these texts is unable to receive replies. Again these texts are not genuine and we have spoken to hundreds of recipients over the past 12 months and not one has been visited by any enforcement officers or bailiffs. So please try not to worry.
If you have received a nuisance or spam text you can report it to Information Commissioner here and consumer Which? recommends that you "report spam texts directly to your mobile phone provider free of charge by forwarding the text message to 7726. All operators now use 7726, with the exception of Vodafone who use 87726."
Remember. If you are in any doubt as to the validity of the claim being pursued or you have doubts about the company or people "collecting" it, then we would recommend you do not pay anything.
If someone does attend your address and attempts to collect goods or money without paperwork do not admit them and call the police on 101, or 999 if you feel threatened or intimidated. Genuine Bailiffs and Enforcement Officers will welcome the attendance of the police and will not seek to dissuade you from contacting them. Nor will they refuse to provide the Court Claim Number as this will allow you to verify if a judgment exists with the court.
Please note that we at Debt Collection Services UK Ltd do not send unsolicited text messages to anyone and we do not conduct any home visits. These messages did not originate with us.