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03445439169 – Who Called? Stop LCS Debt

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Scott
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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 14th, 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 a call from 03445439169 leave you puzzled? Or did you get a letter from LCS, a debt collection company? You might wonder why you got the call or letter and if you need to pay them. We’re here to help you find the answers.

Each month, more than 170,000 people visit our website for help with debt. So, you are not the only one trying to make sense of it.

In this easy-to-read guide, we’ll help you to:

  •  Find out if the debt is really yours (if it’s not, you won’t need to part with a penny!).
  •  Look into if you can question, or even turn a blind eye to LCS.
  •  Learn how to stop LCS from chasing you too hard.
  •  Know your choices to set up plans to pay or even wipe off your debt.

Our team knows what it’s like to be chased by debt collectors such as LCS. We understand just how scary it can be. After all, nearly half of individuals who deal with debt collection agencies have experienced harassment or aggression1.

Don’t worry! We’re here to help you make an informed decision in a way that’s fair and right for you.

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.

Reasons why you were called by 03445439169

LCS could call you from several numbers. The main reasons they call people are: 

  1. To collect payment – LCS will most likely be calling you from 03445439169 in order for you to confirm ownership of the debt and for you to pay the entire sum immediately over the phone.
  2. To get more information – If you can prove that you are unable to pay in any form on the spot then LCS will be looking for additional information from you that might help them claim the debt at some point in the future.

  3. To intimidate you – Letters are hardly worrying to some however phone calls make the situation appear a lot more personal and a lot more serious. LCS know this which is why they will attempt to contact you by phone call in order to get you to pay.

Typical Debt Collection Process

I understand that receiving a call from 03445439169 can be a bit scary, but don’t worry; it’s quite common. LCS may call you as part of the first stage of the debt collection process.

To help you better understand the typical debt collection process, I’ve put together this table. For more information, make sure to  check out our specialized guide.

Stage Actions What you should do:
Missing one or two small payments Calls and letters from the debt collector asking for payment. They may enquire about reasons for missing payments. Contact the debt collector and offer to pay what you can. If you are struggling to pay the debt, get in touch with us to explore your options.
Missing large or multiple payments Their contact will become more frequent, urgent, and threatening. Contact the debt collection agency and offer to pay what you can. You may also make a complaint if you think the letters are a form of harassment.
Debt collector visit After a few months, if the debt is significant (£200+) you will receive notice of a debt collector visit. They have to notify you before arriving. Debt collectors cannot take anything from your home – they may only ask for payment. If a debt collector shows up at your home, ask them to show proof of the debt and their ID through a window. Do not open your door or let them in. You can arrange a payment plan with the debt collector, but make sure to get a receipt of this.
Court If you still do not pay your debts to the original lender/debt collector agency, they will take you to court and either attempt to:
– File a CCJ against you.
– File an attachment of earnings order.
– File a lawsuit against you.
You must show up to your court date. From here, you can either dispute the debt, or the judge will likely suggest a manageable repayment plan for you.

Should you ignore 03445439169?

I always recommend responding to debt collectors — even just to question the debt’s validity. Remember, you have the right to request proof of the debt. They have to prove it, or they can’t charge you.

» TAKE ACTION NOW: Fill out the short debt form

The video above explains what’s allowed as per the law and what you can do to avoid exploitation by these debt collectors.

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 Stop LCS Debt Collectors? 

I’ve written a comprehensive guide about what to do when LCS contact you and ways that you can stop them in the article linked below:

LCS Debt Collectors – How to Stop Them

Could you legally write off some debt?

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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