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01789405056 – Who Called? Stop Zinc Debt

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Scott
Scott Nelson Profile Picture

Scott Nelson

Managing Director

MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.

Learn more about Scott
&
Janine
Janine Marsh Profile Picture

Janine Marsh

Financial Expert

Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.

Learn more about Janine
· Feb 20th, 2024
Could you legally write off some debt? Answer below to get started.

Total amount of debt?

This isn’t a full fact find, MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

Featured in...

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

Did you get a call from 01789405056? This number belongs to Zinc, a company that collects debt. They might want money from you.

Don’t worry, you’ve come to the right place. Each month, more than 170,000 people visit our website seeking advice on their debt problems.

In this article, we’ll talk about:

  • How to check if the debt is really yours. If it isn’t, you don’t have to pay!
  • What you can do if Zinc won’t stop asking for money.
  • How to make a plan to pay the debt.
  • Ways to make the debt smaller or even make it go away.

Nearly half of people chased by debt collection agencies report experiencing harassment or aggression1, and even our team knows what it feels like.

With our experience, we’ll help you understand what Zinc wants and what you can do.

Could you legally write off some debt?

There are several debt solutions in the UK, choosing the right one for you could write off some of your unaffordable debt, but the wrong one may be expensive and drawn out.

Answer below to get started.

How much debt do you have?

This isn’t a full fact find. MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

Why were you called by 01789405056?

We have a detailed Zinc debt guide, which you can find here.

Zinc are known to try and catch you out by calling from many different numbers in the hope that you accidentally pick up. The reason they call from 01789405056 is likely due to the following: 

  1. To retrieve payment for the debt – Zinc aim to have the debt paid immediately over the phone and the account closed so they can move onto the next account. If this isn’t possible, during their phone call, they might request that you organise a monthly payment into an account by direct debit.

  2. To collect useful information about your circumstances – Zinc want to try and collect as much information about your paying capabilities if they are unable to take payments straight away. It would be common for them to request a copy of your budget, some information about your living circumstance, and information about any items of value you own that could be sold to cover the debt.

  3. To scare you into paying – Unlike letters, Zinc can begin to intimidate you by calling you regularly making the situation feel a lot more uncomfortable before then arranging house visits or threatening county court judgements.

Can you get away with ignoring 01789405056?

I always recommend responding to debt collectors – even just to question the debt’s validity.

You have the right to request proof of the debt. They have to prove it or they can’t charge you.

You can watch this video to get an understanding of the process and what debt collectors can and can’t do:

» TAKE ACTION NOW: Fill out the short debt form

Your Rights With Debt Collectors

As mentioned earlier, Zinc will probably try to intimidate you. However, it’s crucial to keep in mind that they are not allowed to threaten or harass you.

To help you better understand your rights when dealing with debt collectors, I’ve created this quick table.  For more information, make sure to check out our detailed guide.

Debt Collectors Can But They Can’t
Contact you by phone or mail. Call you after 9pm or before 8am.
Conduct home visits (on rare occasions) and knock on your door. Forbily enter your home, or stay if you ask them to leave.
Threaten to take you to court by suing you for payment on a debt. Harrass you, including threats of violence, repeated calls and visits, or abusive language.
Negotiate a debt settlement. Tip: make sure to get this new arrangement in writing. Visit your workplace.
Access your bank account, but only after a court judgment has been made. Take anything from your home or threaten to do so.
Sell your debt. Speak to other people about your debt without your permission.
Contact you frequently. Keep doing so if you request that they reduce communications.

How a debt solution could help

Some debt solutions can:

  1. Stop nasty calls from creditors
  2. Freeze interest and charges
  3. Reduce your monthly payments

A few debt solutions can even result in writing off some of your debt.

Here’s an example:


Situation

Monthly income £2,504
Monthly expenses £2,345
Total debt £32,049

Monthly debt repayments

Before £587
After £158

£429 reduction in monthly payments

If you want to learn what debt solutions are available to you, click the button below to get started.

Get Started

How to hold off pressure from Zinc?

I’ve created a helpful guide about responding to Zinc to give you some confidence when you deal with them:

Zinc Debt Collectors – How to Stop Them

Zinc Debt Collection Contact Details

Address: Kings House, 4 Elm Court, Stratford Upon Avon, CV37 6PA, United Kingdom
Telephone: +44 (1789) 273149
Fax: +44 (1789) 405 065
Website: https://www.wewanttosayyes.co.uk/
Could you legally write off some debt?

There are several debt solutions in the UK, choosing the right one for you could write off some of your unaffordable debt, but the wrong one may be expensive and drawn out.

Answer below to get started.

How much debt do you have?

This isn’t a full fact find. MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

References

  1. Indebted Debt Collection Survey
The authors
Scott Nelson Profile Picture
Author
MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.
Janine Marsh Profile Picture
Debt Expert
Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.
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