Is this a scam email

[Anonymous]

<collection.dept.ace.cash@gmail.com> wrote:

Re: XXXX-XXXXX

Dear Debtor,

We are writing to you about the fact, despite previous reminders, there remains an outstanding amount of $910.75 in respect of the above invoice. This amount was due for payment from long span of time. Our credit terms stipulate full payment within 30days and this account is now days overdue. The total amount due from you is therefore $910.75.

If the full amount of the sum outstanding, as set out above, is not paid within 3 days of the date of this letter, we will begin legal action, without warning, for a court order requiring payment. We may also commence insolvency proceedings. Legal proceedings may affect any credit rating. The costs of the legal proceedings and any other amounts which the court orders, must also be paid, in addition to the debt.

This letter is being sent to you in accordance with the Practice Direction on Pre-Action Conduct (the PDPAC) contained in the Civil Procedure Rules. The court has the power to sanction your continuing failure to respond.

We await your immediate payment of the outstanding amount.

Regards,

Collection Department

Mod note:  I've removed your account number since it could be used to identify you.  --UncleB, myFICO Moderator

[UncleB]

Hi @Anonymous, and welcome to myFICO! 

Your post was in the spam quarantine; I've restored it and removed the duplicates.

I don't think you'll have the problem again, but if you do please see this thread:  http://ficoforums.myfico.com/t5/myFICO-Forums-Technical-Help/What-to-do-if-your-new-post-is-missing/td-p/4972480

Again, welcome!

--UncleB

myFICO Moderator

[bizarrocreditworld]

This is a scam Email.

There are five things that give it away:

1. Gmail address. If they can afford to lend money, they can afford a corporate Email address.

2. Poor grammar. If it doesn't sound right when you read it, it's most likely due to someone in a foreign country attempting to write in English using (my guess) Google Translate.

3. "days overdue"? Unless you have a signed contract that says otherwise (and I think you would have said contract if you signed it), it takes months, if not years, for debts to reach a lawsuit.

4. Insolvency proceedings? Maybe in the UK, but not in the US. I've never heard of anyone being declared bankrupt involuntarily in the US (although our legal experts here in the fourm may know otherwise).

5. Implied threat of incarceration if you don't respond to the court. Debt is typically a civil matter, not a criminal one.

I'm sure there are people who will be able to assist you further with this, but in my opinion, this is not even a good attempt at a scam.

[bizarrocreditworld]

I forgot one very important to ask yourself if you ever see an Email like this: Do you remember ever taking out a loan from the company claiming you owe the money? If not, that by itself is a sure sign of a scam.

[Anonymous]

100% scam

[Anonymous]

tell them you'd be glad to settle this, have them forward all further corresondence via sail mail to your address:

935 Pennsylvania Avenue, NW
Washington, D.C. 20535-0001

or call you @ (202) 324-3000 anytime to discuss your options