Money lending firm scam

http://www.theguardian.com/money/2014/j ... -practices
They sent letters to defaulters ostensibly from debt collection firms that didn't exist - including adding on so-called administration charges from these non-existent companies.
This is blatant fraud, surely. So why are they not being prosecuted to the full extent of the law?
They sent letters to defaulters ostensibly from debt collection firms that didn't exist - including adding on so-called administration charges from these non-existent companies.
This is blatant fraud, surely. So why are they not being prosecuted to the full extent of the law?