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CL Finance Limited Debt – Do You Have to Pay? 2022

CL Finance Limited Debt Collectors

For free and impartial money advice and guidance, visit MoneyHelper, to help you make the most of your money.

CL Finance Debt

Are CL Finance Debt Collectors putting you under pressure about outstanding debt you have? Are you unable to pay the debt and worried about what to do next? Perhaps you don’t even believe this debt belongs to you?

If these apply to you, or you have any other concerns about the debt collector, this article is just for you!

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 amazing tomorrow.

Beating Debt Collectors

There are several ways to deal with CL Finance Limited debt collectors and improve your finances.

Choosing the right way to tackle your debt could save you time and money, but the wrong one could cause even more harm.

It’s always best to find out about all your options from a professional before you take action.

Fill out the 5 step form to get started.

CL Finance Debt Collectors

Who are CL Finance Debt Collectors?

CL Finance Debt Collectors is a debt collection agency registered in the UK. They assist a range of companies in getting debt back from customers, including both small and large organisations.

fight back when you get a debt collection letter

Why are CL Finance Debt Collectors contacting you?

Debt collection is massive these days, as so many people struggle with debt issues. There are many different types of debt collectors, and in some cases, the way they behave is questionable.

Some debt collectors work independently, while others work together with the creditor (the company you have the debt with.) There are even sole traders who operate under the remit of debt collectors.

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The way debt collectors operate is the same, regardless of the way they work. They purchase debt from the company you have the debt with.

For instance, if you had a bank loan with Santander and you hadn’t paid it back, they may pass your debt to CL Finance Debt Collectors, for a small fee.

This can be as little as 20% of the total value of the debt, so it can be a nice earned for the debt collection agency.

This is why there are so many debt collectors, and it also explains why they are so persistent in trying to get the payments. There are many debt collectors who are treating debtors unfairly, due to their poor practices.

Feeling like Chandler?

how to debt

Is all this information starting to feel overwhelming? Don’t panic! There’s plenty of help available. You can get started below.

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How do you know if the debt is yours?

You should find out more about the debt, before you make any payments, especially if you don’t recall it. Speak to CL Finance Debt Collectors and find out where the debt came from and a breakdown of what you owe, including charges and interest. Your debt has probably grown arms and legs since the last time you seen it!

You can get this information by writing to CL Finance Debt Collectors, with a request for the original credit agreement. If they are unable to send this to you, you would not be under any obligation to pay the money to them. There is no valid reason why they shouldn’t be able to provide this.

Follow my ‘prove it’ guide with letter templates and get them to prove that you owe the money.

Can pay, but should you?

If CL Finance Debt Collectors are able to prove that the debt is yours, and you are happy that it is accurate, the next step is to make payment. If you are financially able, it would be wise to clear the debt.

However, if this will prevent you from paying your day to day bills, you should set up a payment arrangement instead. You may even be able to make one partial payment to clear the debt in its entirety.

Are debt collectors ruining your life?

They may seem harmless enough, but debt collectors can cause devastation in people’s lives.

They often use extremely harsh tactics to try and get payment from debtors, including pressurising, and even bullying in some cases. They may make threats and try to contact you at your workplace.

If you are being contacted and harassed by CL Finance Debt Collectors, it could be detrimental to your life. It could even feel like the debt collectors are trying to ruin your life.

Some debtors have reported feelings of humiliation and entrapped, while others have even felt suicidal. This is obviously a major concern, and steps have been put in place to try and deal with the situation.

The government were asked to look into the situation, and act on the concerns. This is something they did, in a bit to tackle the intimidation and irresponsible lending of debt collectors.

The law regarding debt collectors was amended, as a result of their behaviour. These are some of the changes to the law that you should be aware of.

CL Finance Debt Collectors and what the law tells us

The Office for Fair Trading (OFT, 2012) put guidelines in place that apply to debt collection companies. The summary of these includes:

  • Treating debtors in a fair way, which does not involve using any aggressive practices or improper behaviour.
  • Ensuring that debtors are provided with clear and concise information, which should not confuse or mislead.
  • Understand the difficulties faced by debtors who may be experiencing financial hardship.
  • Take the debtors circumstances into account, before determining appropriate action.

If you feel that CL Finance Debt Collectors have not following this legislation, you would be able to report them to the OFT. In some circumstances, the OFT may decide to remove their license. Such as in the case with lenders such as Wonga.

It is easy to make a complaint against CL Finance Debt Collectors. You can do this using the online complaint form.

There are debt collectors who may even pretend to be operating in a manner that isn’t true. For instance, they may say they are external to the creditor, when they are working alongside them. This is deceit, and it goes against the changes to the law.

Find out more about CL Finance Debt Collectors

It is vital to know more about CL Finance Debt Collectors before you understand how to deal with them. These are some facts you may not be aware of:

They lose money if you don’t pay

CL Finance Debt Collectors may purchase the debt at a low cost, but if they don’t get any payment from you, they have lost money on the debt they have bought.

This is why they will throw everything at getting you to pay up. They may even stoop as low as to harass you, or force you into making payments, you can’t afford to make.

Therefore, the last thing they want the agents to do is come back saying that they weren’t able to get payment. This will also affect the agents ability to make any bonus.

As the saying goes, you need to stay strong in the face of adversity. There is no point in letting CL Finance Debt Collectors affect you badly, as this will just make you feel worse about your financial situation.

Understanding how debt collectors operate is a step in the right direction of dealing with your debt situation.

They may try to intimidate you

One of the tactics often used by debt collectors like CL Finance Debt Collectors is harassment. This may include calling you excessively, even every half an hour in some cases or even failing to speak when you do answer.

These tactics are designed to try and wear you down and intimidate you into paying. This is not behaviour that you should just accept.

If you are being harassed by CL Finance Debt Collectors, especially if they are calling you excessively, you should keep a note of the times of the calls. This will allow you to report them to the Financial Ombudsman, as they are breaching the regulations.

You can contact the Financial Ombudsman by phone on 0800 023 4567 or 0300 123 9123

Unfair behaviour

The agent who calls you may seem friendly, and happy to help, but they will probably change their tune when they work out that you can’t afford to make a payment to them!

You may be left feeling humiliated after the call, and it could even become abusive. Unfortunately, this is not uncommon in the debt collection industry. The agents are under pressure to get payments, and this can cause them to use the worst possible tactics in pursuit of the funds.

They may harass you by calling you excessively, or use abusive behaviour. They may even send sinister letters and emails to try and get your attention. They want to wear you down so you get fed up and respond to them.

If you keep ignoring them, they won’t just give up. They will keep contacting you until you react to them. It is, of course, important that you pay your debts, but you should do so in a controlled manner.

It is not easy dealing with this behaviour, but if you stay strong and understand your rights, it will be much easier to deal with. If you are unhappy with the behaviour of debt collectors, you can them to the OFT using this online complaint form.

Have they spoken to others about your debt?

There are occasions when some debt collectors will feel that they have the right to speak to someone else about your debt, if they haven’t managed to reach you. They may discuss your financial situation with a family member, partner, or some have even been known to discuss it with colleagues. This is illegal and it is a breach of the OFT guidelines. It also breaks the privacy laws.

If they have done this, you should definitely report them to the Financial Ombudsman on 0800 023 4567 or 0300 123 9123

Don’t fall for the lies

Debt collectors like CL Finance Debt Collectors don’t expect you to know this kind of information. They don’t expect you to be furnished with details on what your rights are, so you are already one step ahead of the game! The kind of lies they might tell include, saying they are a bailiff and that they are going to visit your home and remove some of your goods. They may even say they plan to prosecute you!

Don’t fall for the lies, and never give them permission to enter your property. If they insist on visiting, don’t give them access and phone the police if you feel like you are in danger.

Standing up to debt collectors

We know how relentless debt collectors can be, and this can lead to poor mental health and even suicidal though. If CL Finance Debt Collectors have been harassing you or making you feel bullied into paying the debt when you can’t afford it, you have rights that prevent them from doing this. It is important to deal with your debt, but this shouldn’t be at the peril of dealing with such negative behaviour from debt collectors. No matter how bad your debt issues may seem, there is always a way out. There are many organisations who will offer you debt advice and support with managing your finances.

Debt help from the experts

If you want to get some professional help with your debt, there are organisations who offer this for free. They can give you one-to-one advice and support. In addition, there are also commercial debt management companies who provide a great service, but it does come at a cost. Some of the agencies to consider who offer free debt help, include:

  • Citizens Advice Bureau (CAB) – debt and support. The trained and experienced advisors will help you get out of debt and support you with repaying your debts.
  • Christians Against Poverty (CAP) – free debt advice and help. Get out of debt for good with CAP
  • StepChange provides free online debt advice and help people improve their financial situation.

You may be able to write off some debt

You may be able to write off some of the debt you have, by entering into an Individual Voluntary Arrangement (IVA). With an IVA, you pay a monthly fee towards your debt, and you can write some of the debt off, within around five years. The IVA process needs to be done by an insolvency practitoner.

I’ve put together a 5 question form so you can get started in finding out whether an IVA might work for you.

Answer the five questions now.


There have been many warnings, and even changes to the law, but this unfortunately, has not stopped some of the behaviour of certain debt collectors. In some cases, they have driven debtors to despair, even contemplating suicide in some instances. It is difficult to believe the way they treat debtors. You should always pay back your debt, but you must do it in a way that works for you. You should not put up with debt collectors to decide to abuse you. You can make a complaint, but if this doesn’t change anything, there is the option of reporting the debt collectors to the Financial Ombudsman. In some cases, they may lose their license as a result of their treatment towards debtor.

CL Finance Contact Details

Name: CL Finance
Also Known As: Part of Lewis Group
Address: Kingston House, Centre 27 Business Park, Woodhead Road, BATLEY WF17 9TD
Telephone: Could be 01924 444466 (BUT DO NOT PHONE C L FINANCE)
Fax: Not known
Extra Data: Seem to be associated with GE Money (as a client perhaps) and are part of the Lewis Group (q.v.) which in turn is owned by Cattles, which is a FTSE 250 company.


CONC 7.3 Treatment of customers in default or arrears (including repossessions): lenders, owners and debt collectors

CONC 7.9 Contact with customers


Are you struggling with debt?
Are you struggling with debt?
  • Affordable repayments
  • Reduce pressure from people you owe money to
  • Stop interest and charges from soaring