Activities of collection agencies and credit bureaux. We recover lawful claims, prepare credit reference files, and report to lenders within the boundaries of consumer protection law.
Operations are conducted under written mandate, with full audit trail, and respect statutory cooling-off periods, language rights, and the right to dispute.
UNIVERSAL MOBILE DEALER carries on the activity of debt collection agencies and credit bureaux. Each engagement begins with a written mandate from the original creditor or assignee, and is supervised by a qualified case officer.
Our remit covers commercial and consumer obligations: invoices, contractual debts, instalment defaults, and reported delinquencies submitted to the credit reference register.
We do not purchase portfolios on speculation, and we do not engage in conduct that misrepresents legal status or threatens action that cannot lawfully be taken.
Structured outreach on overdue receivables before judicial action: notice letters, scheduled telephony, secured digital correspondence, and negotiated settlement.
Maintenance of credit reference files, reception of lender submissions, dispute handling, and disclosure of consumer credit reports on lawful request.
Where amicable resolution is exhausted, we prepare evidentiary files for instructing solicitors, including chronology, communications log, and balance reconciliation.
Mandate received in writing, supporting documents reviewed, and the debtor record prepared with statutory notices ready to issue.
First notice issued; dispute window observed; debtor given proportionate channels to respond, validate, or arrange repayment.
Where engagement leads to settlement, instalments are documented and monitored. Where it fails, the file is referred to litigation support.
Final accounting is provided to the creditor, the credit reference file is updated, and personal data is closed in line with retention schedules.
Our credit bureau receives positive and negative data submissions from authorised lenders. Records are maintained, reconciled, and made available to the consumer concerned on lawful request.
Where a consumer disputes the accuracy of a record, an investigation is opened, the originating lender is contacted, and the entry is corrected, suppressed or confirmed within the statutory period.
Reports issued to subscribing lenders are limited to the minimum data necessary to assess creditworthiness.
You have been listed by an original creditor as having an outstanding obligation. The notice sets out the creditor's name, the amount claimed, and the date it became due.
Send a written dispute within thirty days of first notice, with your file reference. Collection activity is suspended and the relevant entry is investigated until validation is provided.
A documented hardship review may lead to a structured repayment plan. Forbearance, partial settlement, and extended schedules are available subject to creditor instruction.
A settled default is suppressed at the end of the statutory retention period, regardless of whether it is paid in full, partially settled, or written off.
No. Communication is directed only to the debtor, on channels they have provided or that have been verified through lawful skip-tracing sources, and never to discuss the debt with third parties.
For lender mandates, consumer disputes, and credit reference disclosure requests, please address correspondence to the office of record.
UNIVERSAL MOBILE DEALER responds to written correspondence within working days. Telephone enquiries are recorded for evidentiary purposes and to ensure compliant conduct on both sides.
When making a request relating to your own personal data, please include your file reference and a means by which we can verify your identity.