Are CK Edrupt & Co Solicitors Debt Collectors repeatedly contacting you to discuss an outstanding debt? Do you owe money but you can’t pay it? Are you fed up with contact from debt collection companies in general? Read on, as this article is just for you!
Who are CK Edrupt & Co Solicitors?
CK Edrupt & Co is a debt collecting company who are based in the UK and who work with different clients throughout the country. They also provide management services.
CK Edrupt collect for companies like Provident Personal Credit, Vanquis Bank, Greenwood and Satsuma Loans.
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What is the purpose of the contact from CK Edrupt & Co Solicitors Debt Collectors?
Debt collectors like CK Edrupt & Co Solicitors Debt Collectors turn up everywhere, and as they are independent debt collection companies, they buy the debt from other organisations, and chase you for it. Often, quite persistently.
As they only make their money back when you pay up, they are eager to get you to make payments. Although it is advisable to discuss the debt with them, you should never be made to feel threatened or to be hassled about the debt. If you are feeling like CK Edrupt & Co Solicitors Debt Collectors are making you miserable with htheir tactics, you can seek help.
What if it is not your debt?
Of course, you should always aim to pay back your own debt, but what if you don’t recognise this debt. Is it even yours? The first thing to do is get confirmation that this is, infact, your debt. Otherwise, you may be paying money you don’t even owe.
If in doubt, you can write to CK Edrupt & Co Solicitors Debt Collectors and ask that they provide you with a copy of the original credit agreement. If they cannot do this, you shouldn’t pay the money.
Don’t want to pay!
The thought of paying off debt when you already have other financial demands, is less than appealing. However, if CK Edrupt & Co Solicitors Debt Collectors are contacting you and you owe the debt, you should pay it or at least, make arrangements to pay it back.
How debt collectors make people feel
Debt collectors often use a range of tactics to try to get debtors to pay up – some of these are extremely questionable. If you are being pursued by CK Edrupt & Co Solicitors Debt Collectors, you are probably feeling overwhelmed, even depressed by the situation.
Some people who are in debt and having to deal with debt collectors, even have suicidal thoughts, so if you feel this way, you are not alone – but you shouldn’t be made to feel like this. The law is on your side when it comes to debt collection agents.
CK Edrupt & Co Solicitors Debt Collectors – what the law states
The Office for Fair Trading (OFT, 2012) are there to protect debtors and they have issued guidelines which debt collection companies must adhere to. Debt companies such as CK Edrupt & Co Solicitors Debt Collectors should:
- Always treat debtors fairly, and should not use any aggressive behaviour.
- Should provide clear, concise information with regards to the debt.
- Show empathy towards the debtors situation.
- Act proportionately when dealing with the debtors account.
Are CK Edrupt & Co Solicitors Debt Collectors failing to adhere to these guidelines? You can report them to the OFT, and in some cases, they may remove their license.
You can make a complaint about CK Edrupt & Co Solicitors Debt Collectors, by using this online complaint form.
If you are unsure about any information provided by CK Edrupt & Co Solicitors Debt Collectors, you should ask them for proof.
Why CK Edrupt & Co Solicitors Debt Collectors so what they do
If you understand what debt collectors do, you’ll be in a better position to be able to deal with them. These are some things to understand about how they work.
You pay, they get paid
The CK Edrupt & Co Solicitors Debt Collectors agents are on your case because the company doesn’t make money unless you pay up – it’s that simple.
This is why CK Edrupt & Co Solicitors Debt Collectors are relentless and it might give you a better understanding of why they do what they do.
They get bonuses
CK Edrupt & Co Solicitors Debt Collectors agents also work on bonuses, so the more money they bring in, the more money they earn. No money – no bonus. In a target driven information, they need to be able to prove they are doing what they can to get the money, and this is why they in hot pursuit of your debt.
If you feel that the contact is too much and that the debt company are not adhering to OFT guidelines, you have the right to report them to the Financial Ombudsman.
You can reach the Financial Ombudsman by phone on 0800 023 4567 or 0300 123 9123
Good to bad
Your conversation with the debt collection agent may start off friendly enough, but it’s not unusual for things to turn sour when they have the realisation that you can’t afford to pay your debt. It may lead to the conversation taking a downward turn quite rapidly. Don’t take this personally though and, definitely, don’t allow them to hassle you.
If you need to, you can report them to the OFT using this online complaint form.
Can they speak to others?
The answer to this is no, they can’t speak to anyone else about your debt. It is illegal for them to do so, and it breaches OFT guidelines, and other privacy laws.
You can report them to the Financial Ombudsman on 0800 023 4567 or 0300 123 9123
Are they threatening to visit your home?
If debt collectors are threatening to visit your home, you can tell them that they are not permitted to do so. If they keep threatening to come to your home, it is within your rights to phone the police. After all, this is threatening behaviour and should not be allowed.
Don’t let them get to you
Debt collectors like CK Edrupt & Co Solicitors Debt Collectors are on a mission to get you to pay up. As difficult as it can be to deal with them, you should try not to let them get to you. It is not worth the stress, so keep your cool and if you need help, there is plenty of it available to you.
Getting help with debt
If you are stressing about debt, there is help available in the form of not-for-profit agencies and commercial debt management companies. These are just a few of the free debt support organisations.
- Citizens Advice Bureau (CAB) – one of the most well-known organisations for help with everything, including debt.
- Christians Against Poverty (CAP) offer free help and support with your debt.
- StepChange provides free online debt advice and will help you take charge of your debt problems.
Entering an IVA
If you really don’t have the means of paying your debt, an Individual Voluntary Arrangement (IVA) may be the answer. With this, you enter into a formal agreement about your debt, and agree to pay some and right off the rest. This must be carried out by an insolvency practitioner.
Find a local licenced IVA insolvency practitioner here.
Otherwise, a Debt Relief Order (DRO) may be the answer. This is for those who would be left with £50 after household bills are paid.
You would need to go through an authorised debt advisor to do this. You can find a list of authorised debt advisors here.
Warnings to debt collectors
Some debt collectors continue to harass debtors to pay up, and this can cause a great deal of stress and embarrassment. Don’t allow them to do this to you. You can report them and if they are found to be treating you badly, they may lose their licence.
CK Edrupt and Co Solicitors Contact Details
Company Name: CK Edrupt & Co Solicitors
3 Godwin Street
Contact Number: 0800 9166 442
Fax: 01274 728 464
Numbers they call from: