In our fast-paced day-to-day life, it can be tricky to keep tabs on all our ingoing’s and outgoings. Especially in the current climate, our minds will be on other things. In these instances, we are all guilty of letting things fall by the wayside, and often these things can include bills. When you don’t meet your monthly bills, and if you continue to ignore or not answer the company who you owe money to, you may well be contacted by a debt collection agency such as British Gas Debt Collection Agency.
It’s certainly stressful and a bit upsetting to receive a letter saying that you owe a sum of money for something you might have forgotten about – but with a bit of forethought and a cool head, you can deal with them swiftly and smoothly. Here, we offer up a guide and some solutions to dealing with British Gas Debt Collection Agency and answer some questions about them and debt collectors in general.
It’s not your fault. Complaints to the Financial Ombudsman have risen this year from 830 to 2,006, so it’s safe to say that you’re not alone.
Deal with your debt today and feel better tomorrow.
British Gas Debt Collection Agency – who are they?
All of us have to deal with utilities like electricity, water and gas, and British Gas is often described as one of the ‘Big Six’ – these are the six biggest utility providers in the UK. Not only that, but they are also the first public utility service in the world, founded in 1812. Today, British Gas serves around 12 million customers in the UK.
If you have an account with British Gas and haven’t been keeping up to date with your payments, it is likely that you will receive a letter from British Gas Debt Collection Agency, the debt collection arm of the company.
Don’t worry, here’s what to do
You could get rid of debt collectors by writing off your debt. I’ve put together a 4 question debt calculator which will tell you if you’re eligible:
Are they a real company?
You’re right to be suspicious when receiving a letter saying that you owe a sum of money, even if it is from a company as well-known as British Gas. There are always people out there ready to scam the vulnerable, and use recognisable names to make you pay for debts you don’t owe.
There are a few ways of making sure that you’re dealing with a real company. Be sure to read through the correspondence they’ve sent you really carefully, including the small print. This should indicate exactly who you’re dealing with.
Another method is using the Companies House website. This is a governmental executive agency containing a register of all companies in the UK and is a good benchmark for company legitimacy.
British Gas Debt Collection Agency doesn’t have a Companies House page themselves, but British Gas Services, which British Gas Debt Collection Agency falls under, have a page. You can find that here.
They have a company number of 03141243, and their registered office address is Millstream, Maidenhead Road, Windsor, Berkshire, SL4 5GD. You should check the letter or email they have sent you carefully and look out for this address. If it is on there, then they are who they say they are.
Find your best debt solution
Is all this information starting to feel overwhelming? Don’t panic! I’ve put together a 4 question debt calculator so you can quickly and easily find the best solution for you. Answer the four questions now.
British Gas Debt Collection Agency – What to do next
So that’s a basic introduction into British Gas and British Gas Debt Collection Agency. We’ll go into what you should do next, and give you a guide to how to deal with them.
Is the debt yours?
You may be wondering if you do actually owe the amount that British Gas Debt Collection Agency say you owe. There are a few ways of working out if you do actually owe the amount they say you owe.
Go through all the correspondence you might have received from British Gas and compare the amounts on these letters to the amount on the letter from British Gas Debt Collection Agency. If these amounts are different, you may not have to pay them.
Prove the debt
If you feel quite strongly that the debt isn’t yours, you can send British Gas Debt Collection Agency a ‘Prove the Debt’ letter. This requires them to prove the debt and give you a rundown of the debt.
You can find templates for a ‘Prove the Debt’ letter at this link.
Should you pay them?
If you have confirmed that the debt is yours, and you have the funds to pay them, you should pay British Gas Debt Collection Agency. Doing so will stop them from sending you any further letters or making any further calls to your home.
Will they go away if you ignore them?
If you don’t pay them or contact them, and simply ignore them, they won’t go away. Debt collectors are often incredibly persistent and will continue to try and make contact with you by any means possible.
British Gas Debt Collection Agency may even send a representative to your home to discuss your debt – however, they will give you prior warning in writing. The best way to avoid this happening is to get in touch with them as soon as you can.
If you can’t pay British Gas Debt Collection Agency
In these uncertain times, many of us are having a hard time to make ends meet. If you find you are struggling with your British Gas bill and can’t afford to pay British Gas Debt Collection Agency, there are several different services and charities out there that can give you advice and help you. These include:
You should contact British Gas Debt Collection Agency first and let them know about your situation.
Here we answer some of the more commonly asked questions about British Gas Debt Collection Agency, and debt collectors in general.
How can I pay British Gas Debt Collection Agency?
British Gas Debt Collection Agency will outline the different ways you can settle your debt on their official correspondence. You can also log in to your account to pay the debt, or top up your pay-as-you-go account.
Can British Gas Debt Collection Agency seize my property?
No. They can send a representative to your home if you fail to respond to their correspondence, but they cannot seize your possessions.
Is a debt collector the same as a bailiff?
No. Bailiffs usually act according to the demands of a debt collection agency. British Gas Debt Collection Agency won’t be able to seize your property without a bailiff.
Can I make a complaint?
Yes. If you think that British Gas Debt Collection Agency have behaved in an unprofessional manner, you can make a complaint against them. First and foremost, you should raise the issue with them. If they do not respond in an acceptable way, you can escalate matters to Ofgem.