UK banks fake letters from non-existent law firms to harass debtors.

Guardian: “Britain’s high-street banks are routinely issuing legal demands from what appear to be independent firms of solicitors designed to make struggling borrowers pay up. Yet the firms are not regulated by the legal profession’s watchdog, and are simply names used by banks’ in-house lawyers.”
“Royal Bank of Scotland and its NatWest arm have been using Green & Co Solicitors in Telford; Lloyds Bank uses SCM Solicitors in Hove, East Sussex, and, until January this year, HSBC used DG Solicitors in Edgbaston, Birmingham.
But a search of the register run by the Solicitors Regulation Authority(SRA) reveals that none exist as an entity supervised by the regulator.
The practice is legal because the letters are signed by a lawyer who is individually regulated by the SRA. Yet they give the impression to borrowers that their case has been escalated to a third party, using legal language such as “We are instructed by our client” and “We are likely to be instructed to commence court proceedings”. The letter heading is near-identical, too, to that of an independent firm of solicitors, and typically uses a different address from that of the bank concerned.
Critics claim that the letters can be confusing and a scare tactic designed to harass people into paying up. But the good news for consumers is that since Guardian Money and others began probing the issue, the SRA has revealed that it will soon issue guidance after receiving a number of complaints that had given it “cause for concern”.”