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Claims Advisory Service Debt – Reviews & Info

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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
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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
· Jan 19th, 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.

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Claims Advisory Group Debt

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.

Are you worried about a surprise letter from the Claims Advisory Service? You might be confused about where the debt came from. You could be scared about what happens if you can’t pay.

Don’t worry; we’re here to help. Every month, over 170,000 people like you visit our website for advice on dealing with debt.

In this article, we’ll help you understand:

  •  Who the Claims Advisory Service are, and how they work.
  •  If the debt is yours and what you can do if it’s not.
  •  How to stop the Claims Advisory Service from bothering you too much.
  •  Ways to pay back your debt, including setting up a payment plan.
  •  What could happen if you don’t pay your debt.

We know how you feel, as we’ve had to deal with debt collectors too. We know it’s scary, but we also know you can handle it.

We’re here to guide you every step of the way. So, let’s start understanding your debt and finding ways to deal with it.

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.

Is Claims Advisory Group Genuine?

Yes, they are. Admittedly there is real mystery about whether the Claims Advisory group are a genuine company. They are based in Manchester and do have a board and employees within the UK.

However, people are talking about the Claims Advisory Group say ‘scam’ because it is believed other scam companies have been using their name to contact UK residents from abroad.

They do this and demand payment before making claims. Plentiful stories like these can be found on forums, Claims Advisory Group reviews and even some news blogs.

But even the real company has come under fire by the Financial Conduct Authority (FCA)…

FCA’s Warning About the Claims Advisory Group Scam

The FCA published a notice in 2019 about their understanding of The Claims Advisory Group.

They want you to know that they believe The Claims Advisory Group. Have been offering financial services without their authorisation.

Any UK financial services company needs to be authorised and overseen by the FCA, which The Claims Advisory Group are not.

That’s not all the bad news and squabbles the company had in 2019. They even had a court date with the HMRC over VAT payments. But they did in fact win that battle.

So, How Can You Have UK Claims Advisory Group Debt?

If a company is in place to win money back for you from PPI claims on previous credit (such as mortgages and loans) or from bank charges, how could you end up owing them money?

Well, the reason is that their services for helping your claim be successful needs to be paid for. This is done by taking a percentage of your claim. But on some occasions, they do not take the money straight away and ask for it down the road, just like this forum user points out:

“I haven’t got the original paperwork or if I had, I’ve absolutely no idea where it is now. Claims Advisory Group have definitely not previously taken their cut. In the phone call yesterday, they threatened legal action and obviously CCJs if the matter is taken to court. I don’t want to go down that route for the sake of £125 but at the same time some of their threats and tone of voice made me think they can go whistle…”

[Consumer Action Group Forum]

If you have received communications that you have a Claims Advisory Group debt, then this guide is for you. We help you understand your rights and how to reply to Claims Advisory Group debt letters or calls.

Shocking Claims Advisory Group Reviews

Before we go on, you should know that you are not alone. This situation has happened to hundreds of people and they have made their feelings heard online.

Search for Claims Advisory Group reviews and you will discover a world of online views and stories about how The Claims Advisory Group Limited has requested money and made threats.

» TAKE ACTION NOW: Fill out the short debt form

They Could Also Send a Claims Advisory Group Debt Letter

There are also reports that The Claims Advisory Group send debt letters as well. They will write you a letter asking to pay for their service by a certain date, or face court proceedings.

These Claims Advisory Group debt letters are worrying, but you should never ignore them!

You can respond to them to use the debt collection process to your advantage, and possibly avoid having to pay at all.

Could the Claims Advisory Group Debt Cause Me to Lose My Property?

If you owe debt and refuse to pay, the Claims Advisory Group could choose to take you to court and hope to get a court order for the debt, known as a CCJ.

With a court order, the Claims Advisory Group can use enforcement agents to come to your property and request the money. If they do that, the agents may agree to a payment plan – although they are not obliged to – or repossess valuable items.

These items are then sold at an auction, usually for less than they are worth, and the money raised goes towards paying off the Claims Advisory Group debt. Sometimes agent can repossess property for the debt, but this is not their aim unless it is necessary.

But our guidance can help you avoid this happening to you!

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 Respond to Claims Advisory Group Debt Claims

If you have received a cold call or a debt letter from The Claims Advisory Group, you should respond in a way that matches your circumstances. The type of letter you send will depend on the age of the debt.

Here are your options:

1.      Send a Prove the Debt Letter

The Claims Advisory Group must provide proof of any debt you owe them if they want you to pay. You can therefore request proof of the debt. In most cases, it would be a signed agreement that you agreed to pay a percentage of a claim to The Claims Advisory Group.

It is known that when you make a claim with The Claims Advisory Group, they send out forms for you to fill in and you have likely agreed within these forms. But nevertheless, The Claims Advisory Group must provide evidence, such as these forms if they hope to recover the payment.

Without it, the courts are not likely to award a CCJ. You also have a right to request this before paying, which is why you need to send a prove the debt letter.

Send The Claims Advisory Group a Prove the Debt Letter

If you don’t know where to start writing a prove it letter, you can use my free ‘prove it’ letter template.

Never provide more information than necessary or sign the letter. But do keep a copy and use recorded delivery to their Manchester address.  

2.      Send a Statute Barred Debt Letter

If it has been 6 years – or 5 years in Scotland – since you last paid towards your unsecured debts and you have not written to your creditor about your debt during this time, it is statute-barred.

This means that the debt is not enforceable. It still technically exists, and you still technically owe the money, but there is no legal way for you to be forced to pay or for the debt to be enforced.

Keep in mind that not all debts become statute-barred!

Any HMRC debts, for example, will stay enforceable for decades. Any debt that had a County Court Judgement (CCJ) attached to it during the 5 or 6-year window will be enforceable for the duration of the CCJ. 

If your debt is statute-barred, you can use my free letter template to write to Claims Advisory Service and explain the situation.

If you are unsure about the status of your debt, you can contact a debt charity for some advice. Their advisors will be able to look at the debt in question, determine its status, and advise you on your next steps. 

Can the Claims Advisory Group Agents Come to My Home?

Only law enforcement agents with a live writ or CCJ are allowed to come inside your home to repossess items. The Claims Advisory Group workers can never do this, even if they have already been granted a court order.

If they turn up at your door, you don’t have to acknowledge them, and you can ask them to leave. Although there are no reports of them using field workers on the streets.

Paying Your Claims Advisory Group Debt

You will have to pay the Claims Advisory Group debt if they prove you owe them the money.

For smaller claims, you are not likely to owe The Claims Advisory Group a lot of money. Others will owe hundreds if not thousands, and some people may be experiencing financial difficulty in the first place.

Even in tougher situations, there is a way to deal with The Claims Advisory Group debt without going to court.

#1: Agree on a Payment Plan

One of the easiest is to agree on a payment plan with The Claims Advisory Group. They may be open to you paying a monthly payment for so many months to clear the amount of money you owe them.

When choosing this option, only commit to payment you will be able to afford. If you stretch yourself too far, you could create even more debts.

#2: Consider an IVA

For people with a Claims Advisory Group debt and other debts that total almost £2,000, you could benefit from an IVA.

This is like a larger monthly payment that only lasts five years. One the five years are up, you no longer have any debts, even if hundreds or thousands of pounds have yet to be paid off.

#3: More Debt Solutions Are Available

Other debt solutions are available and may be better for your personal circumstances. You can learn about possible debt solutions at Money Nerd. Easy-to-understand information is free for you to use and escape your debts.

The golden rule? Never ignore cold calls and letters about your Claims Advisory Group debt.

Thousands have already tackled their debt

Every day our partners, The Debt Advice Service, help people find out whether they can lower their repayments and finally tackle or write off some of their debt.

Natasha

I’d recommend this firm to anyone struggling with debt – my mind has been put to rest, all is getting sorted.

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Reviews shown are for The Debt Advice Service.

How do I Make a Complaint About Claims Advisory Service?

If you think that Claims Advisory Service has been unreasonable or behaved inappropriately, you can make a complaint. You can also make a complaint if you feel that they have broken any of the Financial Conduct Authority’s (FCA) guidelines.

Make your first complaint to Claims Advisory Service so that they have the chance to sort out the issue themselves. If you feel that they have not taken your complaint seriously enough or have not addressed your issue properly, you can escalate matters.

You can make any secondary complaint to the Financial Ombudsman Service (FOS). They will investigate and, if your complaint is upheld, Claims Advisory Srevice may be fined. You could even be owed compensation.

Staying On Top Of Your Debts

One of the hardest parts about being in debt is that the industry isn’t at all transparent.

One common tactic used by Debt Collectors is contacting you under multiple names and addresses.

Sometimes, it’s for practical reasons, but even then it can be confusing and intimidating. So it’s important to try to keep a level head and research what’s going on. 

Some of the biggest debt collectors in the UK operate under multiple names. 

  • Robinson Way will sometimes contact you under the name Hoist Finance. 
  • Cabot Financial Group recently bought Wescot Credit Services
  • Credit Style communicate as both Credit Style and CST Law. 
  • Lowell Financial also owns Overdales and collects debts under both names. 

In fact, in the case of PRA Group, they’ve been known to use multiple company names. As you can see in the image below.

debt collector names

If you’ve been contacted by a debt collector recently, it’s worth going through your post and emails to check that you haven’t missed anything, just in case they’ve started writing to you under a different name.

FAQs

Is Claims Advisory Service legit?
Yes. Claims Advisory Service is a legitimate business authorised and regulated by the Financial Conduct Authority (FCA) in claims management activities.
How do I claim PPI myself?
You can claim PPI yourself by collecting all your paperwork or consulting your credit file then by using a PPI calculator before contacting the bank or lender.
Can I still claim PPI 2021?
Yes and no. The deadline has now passed however if you go through a small claims court you should technically be able to submit a PPI claim.
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.

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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