Aggressive, threatening collection tactics — refused to provide proof

I received multiple SMS and WhatsApp messages from Nicol, Davis & Associates claiming they were collecting an outstanding Academy of York debt and demanding immediate payment (messages began 31 Oct 2025). They provided the bank account ABSA *** and pressured me to pay by specific deadlines, threatened “Magistrate Court” action with a **** case number, and mentioned “Section 77.”

I requested in writing that they email: (1) their CFDC registration certificate, (2) a Letter of Authority on Academy of York letterhead, and (3) a full itemised statement (capital, interest, fees & VAT). They refused to provide these and continued to demand I call “Rachel” instead of sending documents. They also called my family. I reported the matter to the CFDC and contacted Academy of York for verification.

If you are contacted by this company: do not pay until the original creditor confirms in writing and the collector provides CFDC proof.