Are Alexanders Commercial Services Ltd Debt Collectors chasing you about an outstanding debt? Do you have debt you are unable to pay back? Are you received letters about debts you don’t recognise and don’t believe you owe? Are you receiving threats about court action? If these questions are relevant to you, or you have similar concerns, this article will answer your questions.
Who are Alexanders Commercial Services Ltd?
Alexander’s Commercial Services Ltd were a certificated enforcement agent authorised by Brighton County Court. The company was incorporated in January 1998 and their registered address was in Croydon, Surrey. The company was dissolved in January 2015. At the point when the company was dissolved, it was controlled by Jean O’Neill and Barbara Mianowska.
Why are you receiving contact from Alexanders Commercial Services Ltd Debt Collectors?
With so many people suffering from debt problems, the debt collection is now big business. Debt collectors like Alexanders Commercial Services Ltd Debt Collectors have many forms. There are those debt collection agencies who operate as independent businesses. There are also some who may work as part of the original creditor you have the debt with, such as a credit card company, loan company, and the like. There are also even individual sole trader debt collectors. The one thing they have in common is that they all make money, from your debt problems!
The business model of all of these debt collectors is based on purchasing debt a much lower cost than the face value, sometimes this is only 20% or less than the face value, and they start making a profit when they collect some of the debt. There are not many morals involved in this. They don’t care if are really struggling, they hold you responsible for repaying it – and they are not interested in hearing your personal problems – as harsh as that may be. You may say that those who get involved in the debt collection industry are not always the nicest, as this isn’t an industry for the kind hearted! The Office for Fair Trading (OFT, 2010) said that unfortunately, poor practices seem to be commonplace.
Find out if this is your debt
If you don’t recognise the debt, is it really yours? In this case, the first thing to do is find out where the debt came from and how much you need to pay back. You may not recognise the total value of the debt, as it could have been inflated by the interest and charges. It is likely that the cost looks quite different than what you remember!
To find out more about the origins of the debt, you can write to Alexanders Commercial Services Ltd Debt Collectors and request that they send you a copy of your original credit agreement. If they do not provide this, you have the right to refuse to pay them the debt back.
What if you don’t want to pay the debt?
It is not really a case of not wanting to pay the debt back; if you owe it, you have a responsibility to pay it back. However, you should only do so if you can afford to pay it, and take care of your other expenses, such as rent, mortgage and utility bills. If paying the debt will cause you to be unable to afford your rent, it is not a good idea to do this. You should contact Alexanders Commercial Services Ltd Debt Collectors and discuss your financial situation, as they will be able to make an arrangement with you to allow you to pay it back in installments.
Why are debt collectors ruining your life?
It is, unfortunately, quite common for debt collectors to use unreasonable tactics to collect their money, which may cause them to break the law. Some of the most widely used underhand tactics include, bombarding debtors with phone calls, trying to pressurise debtors into paying, regardless of their circumstances, and issuing threats, such as court action. They may even speak to other people about your debt, if they can’t reach you. The debt support trust reported that as many as half of people who have debt problems, will even consider suicide. Bad practices are all too common, and with the effects they can have on people’s lives, it was determined it could no longer keep going on the same path. This is why the government were finally called in to take action against debt collectors, and with this, came new rules and regulations, which are now in place.
Alexanders Commercial Services Ltd Debt Collectors and what the law says
There are now a set of guidelines in place, which were published by the The Office for Fair Trading (OFT, 2012) and these are related to the debt collection business. These are some of the points about the law which are worth noting: According to these, lenders have a responsibility to:
- Ensure debtors are treated fairly, and that there are no underhand tactics used to try and obtain payments
- Provide transparency in any contact with debtors, and refrain from attempting to confuse with unclear information
- Show consideration towards debtors and the difficulties they face
- Take the debtors circumstances into account, before putting action in place to deal with the debt
If you feel that you are being harassed or intimidated by Alexanders Commercial Services Ltd Debt Collectors, and they are failing to follow these guidelines, you may have a case for making a complaint to the OFT who will be able to remove their license.
There are some debt collectors who will go as far as saying that they are an external company, when they actually work as part of the company you owe the money to. They may do this so that you take it more seriously, as it looks like it has been escalated to another company. However, doing this is an act of deceit.
What you need to know about how Alexanders Commercial Services Ltd Debt Collectors operate
If you have never dealt with a debt collection agency before, you probably don’t know how they operate. It is essential that you know this though, as it gives you a better chance of dealing with them.
They only make money when you pay
Quite simply, if you don’t pay, Alexanders Commercial Services Ltd Debt Collectors will not make money. In fact, they will lose money. Although they purchase the debt at a much lower cost, they lose money if they don’t get any payments from you, which is why they are usually so persistent in trying to get the payments. They will often resort to harassment and bullying to get the money, or basically anything that will convince you to pay up. The last thing they want is to have a ‘no payment’ marked against the debt.
Although this doesn’t particularly help your situation, it gives you a clearer idea of what they do what they do. No businesses want to lose money but unfortunately, they will often go over the score in order to get the payments from you. This doesn’t make it right, and you can certainly seek advice if they are harassing or bullying you.
They make use call technology
Dealing with debt is never enjoyable, and you may feel like ignoring the calls from Alexanders Commercial Services Ltd Debt Collectors. It may not even be possible to completely ignore them, as many debt collection agencies use automated call technology that will just keep calling you until you get fed up and answer the phone. You may find that there’s no one at the other end when you do answer it, as this is a form of intimidation.
If you are being intimidated by debt collectors, and they are calling you frequency, you should keep a call log, as you may need this if you want to make a complaint. This behaviour by the debt collectors is a breach of the OFT guidelines. You have the right to tell the agent that you will consider reporting them to the Financial Ombudsman.
Why the attitude change?
Another tactic which may be familiar is the approach you get from the agents. They are likely to start the conversation by being friendly and polite, but you will soon recognise a change in their attitude when you let them know you are unable to pay them. If they act in a way which could be deemed as harassment or if their attitude is one of bullying, you have the right to make a complaint about them. They do not have the right to treat you in this way, regardless of whether or not you are able to pay the debt. They have an obligation to treat you fairly and to try and understand your situation – whatever that may be. They act in this way to humiliate you into paying up – which is, after, all the one and only goal.
They may talk to third parties
If you fail to speak to the agents when they call, you may find that they attempt to track you down by discussing your debt and financial issues with someone else, who is more willing to speak to them. They may call up your home phone and speak to your partner or family member. Worse still, they have been known to speak to people at the debtor’s workplace. This would be illegal behaviour and it is clear breach of OFT guidelines, and other privacy laws.
This kind of behaviour should be reported to the Financial Ombudsman on 0800 023 4567 or 0300 123 9123, if you are unhappy with it.
Why you shouldn’t believe their lies
If all else fails, you may find that some debt collectors will go a step too far, and will use some of the nastiest methods to try and get payment from you. These may include lies, such as pretending to call from the court or telling you that they are a bailiff, who will visit your home and take goods away. They may even threaten criminal prosecution against you. Although these are empty threats, you shouldn’t take them lightly. You should seek help if you feel under threat.
Do not give debt collectors permission to come to your home. If they threaten to do this, and you are worried for your safety, do not hesitate to contact the police and inform them.
Don’t let them get to you
There is no doubt that debt collectors like Alexanders Commercial Services Ltd Debt Collectors can be relentless, as they want to get you to pay up. It is difficult to stand up to them, especially if they are persistent, but it can be done, you just need to stay strong and don’t let them away with any detrimental behaviour. If you need help to get out of debt, there are lots of free organisations who will offer you this help. Getting out of debt should be a priority, but only if you will still be able to commit to paying your other regular bills.
Do you need debt help?
If you are worried about debt, there is a lot of help available, especially from not-for-profit agencies who can offer you a one-to-one service and free advice. There are also commercial debt management companies who offer debt advice, but the big difference is that they will charge you. You should always contact the free organisations first. Some of the organisations who offer free advice, include:
- Citizens Advice Bureau (CAB) – who will provide you with extensive help with debt and should also be able to stop debt collectors contacting you, as long as you are taking steps to repay your debt.
- Christians Against Poverty (CAP) provide free debt help.
- StepChange provides free online debt advice and will help you take control of your debt
How to write off your debt
If you wish, you can right off your debt by entering into an agreement known as an Individual Voluntary Arrangement (IVA). With this formal agreement, you make an arrangement to pay the debt collectors a specific amount, which is affordable to you, either as a one-off sum or you may prefer to pay in monthly payments. The remainder of the debt will be written off after a specific period, which is usually around five years. The IVA process must always be carried out by an insolvency practitioner.
Another option is a Debt Relief Order (DRO). You are eligible for this if you have £50 or less left over each month, after you have taken care of your household expenses. You must not own your home or have other assets worth over £1000.
There have been many warnings from professional bodies about the behaviour of debt collectors, as well as government guidelines introduced to curb their behaviour. However, some debt collectors haven’t taken much notice and continue to behave in an unacceptable way. Although you shouldn’t just ignore your debt issues, you can get help. Even the most difficult situations are solvable! You can repay your debt over a time period which is suitable for you, and if you are unhappy with the treatment of debt collectors, you should definitely consider reporting them to the Financial Ombudsman. Debt collectors can lose their licence for such behaviour.
Is it a good idea to ignore debt collectors?
Alexanders Commercial Services Ltd buys debt from companies that have been unable to collect from you. They buy the debt for a few pence on the pound and then aim to collect a fraction of the full amount to make a profit.
Will Alexanders Commercial Services Ltd be able to take you to court?
They may be able to take you to court, if you continue to ignore them. If they want to take you to court, you will receive a CCJ. You will still be able to make an arrangement to pay off the debt at this point.
Can debt collectors make you go to jail?
You will not need to go to jail for money you owe to debt collectors.
What will happen if I ignore the CCJ?
You may find that bailiffs end up at your door if you ignore it, so it is best not to.
Can Alexanders Commercial Services Ltd issue a warrant?
They don’t have the power to issue a warrant or get you sent to prison. They can request a CCJ, and depending on the success of it, they can recover the debt this way.
Are Alexanders Commercial Services Ltd bailiffs?
No, they are not bailiffs, but they can get bailiffs to take goods from your home, if you do not pay.
Can Alexanders Commercial Services Ltd turn up at your house?
Alexanders Commercial Services Ltd may turn up at your house, but they don’t have any power to actually remove possessions from your home. This means that you can tell them to go away, and they must do this.
Can Alexanders Commercial Services Ltd force entry?
Alexanders Commercial Services Ltd have been known to send people to your house, however, they have no legal powers so you can ignore them or tell them to go away. If you have received a County Court Judgement then the courts could instruct bailiffs to come to your house.
Will Alexanders Commercial Services Ltd give up?
Alexanders Commercial Services Ltd are not able to force entry, they do not have legal powers to do this. If you have received a County Court Judgement, the courts could instruct bailiffs to come to your house and take away goods.
Is there an expiry on debt?
Alexanders Commercial Services Ltd will try to keep chasing the debt for as long as possible. They have a maximum of 6 years to do so, unless you have a CCJ.
How long can debt collectors chase the debt?
A debt can become too old to be collected. According to the Limitation Act 1980 there is a maximum of 6 years to chase a debt. This 6 years is from the last payment, or the last time you acknowledged the debt.
Can debts be written off?
Debt can be chased for up to 6 years. Otherwise you may want to enter into an IVA or similar to get the debt written off.