Owe money to Clarity Management Debt Collectors? You may not need to pay!
Are Clarity Management Debt Collectors calling, emailing or sending you letters about your debt? Do you feel like you can’t repay the debt? If you are being contacted by Clarity Management Debt Collectors and you’re not sure what to do next, we can help. Read on for more information. You never know, you might not even need to pay the debt back at all!
Never heard of Clarity Debt Collectors?
Clarity Credit Management Solutions are a company dedicated to providing a total collection service, all managed under one roof. They collect for companies like British Gas, BT, Halifax, Lloyds and other large companies.
Find your best debt solution (in 1 minute!)
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. If you’re eligible for the new government scheme, you could write off up to 85% of your debt! Answer the four questions now.
Are Clarity Debt Collectors Legit?
Working with a number of lenders and companies since 2005, Lamport based Clarity are a company that seems to be up there with legitimate ones. However, it is important that you always remember not to rush into any payments or plans when it comes to debt. This may not be in your best interests and could work against you in the long term.
What does Clarity Debt Collectors Do?
Clarity are a company that work on collection solutions. They will approach debtors on behalf of the company who the money was owed to, and ask them to make a payment against their account. They will work with them to reach a payment plan, or payment in full that is not only going to work with their own financial situation but also with the client too.
What does Clarity Debt Collection Process look like?
The debt collection process with Clarity is much like any other debt collection process. They will get in touch with the person who owes the money. Asking them to make a payment against the account. This payment could be a one-off or could be part of an on-going payment plan. With either approach, there is an online payment portal, which ensures that you can make a payment as easily as possible.
I have just had an email from these people saying I owe BT money from an old address. I know I don’t owe this money and I’m not even with BT now.
They did know the years I was at the old address but the dates were wrong.
Suspicious (as always) I did a search and find they are chancers and to completely ignore any missive they sent you.
DON’T reply to them or else they’ll harass you more.
If they were legitimate they would send letters to your door.
Are you unsure why Clarity Credit Management Debt Collectors are contacting you?
If Clarity Credit Management are contacting you, you either owe them money or they think you owe them. As with any other debt collectors, Clarity Credit Management have one thing on their mind and one thing only, and that is to get you to repay the debt.
You may not have heard of this debt collection company before, as they may have bought the debt from another company; the original credit company. For example, if you have debt outstanding with your electricity company, the debt collection company would buy the debt from them.
This is why debt collectors are so persistent. They buy the debt at little cost, and only make any profit if they collect the debt. If you are contacted by Clarity Credit Management and you haven’t heard of them before, you may need to get clarity on where the debt originated.
How to know if the debt is yours
There have been known to be occasions when debt collectors have contacted the wrong person about outstanding debt and if you have no recollection of the debt, you should ask for evidence. Clarity Credit Management Debt Collectors should be able to provide you with the copy of the original agreement. If they are unable to do this, you should write to Clarity Credit Management Debt Collectors and demand a copy of your original credit agreement. If they are unable to provide this you have no obligation to make any payment to them.
Don’t want to pay the debt?
You may have had forgotten all about the debt, and suddenly you receive a letter from Clarity Credit Management Debt Collectors asking you to pay it back. It is understandable that you may feel like you just don’t want to pay it, but it is important that you don’t just ignore it. If you fail to make any attempts to resolve the situation, the debt collectors will continue to contact you until you do so. It can also affect your credit rating if you fail to pay a debt back.
Dealing with debt collectors
If you are dealing with debt collectors, you are probably feeling stressed and anxious about the situation. These are normal feelings, no one wants to be dealing with money problems.
It is important that you understand your rights when it comes to dealing with debt collectors. Debt collectors have a responsibility to treat you fairly and they should not be deploying harassment tactics, including contacting you incessantly or threatening to visit your property. You may owe the debt, but it doesn’t give Clarity Credit Management Debt Collectors any reason to harass you or deploy any ‘tactics’ to try and get you to make arrangements to pay the debt.
Legal responsibility of debt collectors
The Office for Fair Trading (OFT, 2012) have a set of guidelines which are applicable to debt collection companies, and they must adhere to them, otherwise, you can report them.
They must ensure debtors are treated in a fair way. They should not be aggressive or be unfair in their practices. They should also provide clarity on the information they are supplying, and provide evidence wherever applicable. An understanding of the position of debtors and empathy when they are facing financial difficulties is essential.
Unfortunately, there are many debt management companies who do not follow this guidance. If you are dealing with Clarity Credit Management Debt Collectors and they are being irresponsible in the way they are handling your situation, you can report them to the OFT. In the most extreme cases, the OFT will remove their license.
You can make a complaint about Clarity Credit Management Debt Collectors via this online complaint form.
Debt collectors may try to deceive you by pretending they are external to the creditor, when in fact, they are just another division of the company.
What you can do about Clarity Credit Management Debt Collectors
If Clarity Credit Management Debt Collectors are trying to get hold of you about a debt, they may try different methods, including telephone, email, letter and even text. These are some ways to handle contact from debt collectors.
It is very difficult to keep a cool head when you are being chased about debt, however, getting annoyed and angry won’t dissolve the situation. The best way to deal with the debt collectors is to be patient and keep a cool head. No matter what they say, you should try to remain calm and reasonable.
Know your rights
You should always go into the conversations knowing your rights. For example, if Clarity Credit Management Debt Collectors say they will attempt to enter your home, you know that they can’t do this. They are also not entitled to continuously chase you about money, even when you owe it to them. If you feel they are doing anything which is untoward, you can report them to the Financial Ombudsman on 0800 023 4567 or 0300 123 9123.
Agree to make payments
At the end of the day, Clarity Credit Management Debt Collectors are looking to get payments and as long as you speak to them and offer them a resolution, they should deal with you fairly. It is important that you arrange to make payments, even if you don’t have a huge budget and can only afford a small amount. If you can pay back the full amount, that is even more favourable.
If you do need to make a complaint to the OFT, you can use this online complaint form.
Keep track of payments
You should keep track of any payments you make to Clarity Credit Management Debt Collectors, and make sure the debt is confirmed as cleared when you have paid it all off.
If any issues arise, you can contact the Financial Ombudsman on 0800 023 4567 or 0300 123 9123
The tactics of debt collectors
Debt collectors will try everything in their power to get you to pay up. After all, they have purchased the debt and they don’t want to lose out. If they suggest that they will visit you at home or they threaten you in any other manner, you have every right to contact the police. They should not be deploying any tactics like this to recover the debt.
Taking control of your debt
Debt is highly stressful, and it’s not something anyone enjoys being in, especially when receiving calls from debt collection companies such as Clarity Credit Management Debt Collectors. If you are dealing with debt, you must take action to resolve it as soon as possible. There is no point in letting debt problems drag on, as it just makes the situation progressively worse.
Free help and support
It may not seem like it, but there are organisations out there who offer free support and help with debt problems. One of the most popular organisations for seeking help is the Citizens Advice Bureau (CAB), who offer help and support for debt problems. The Christians Against Poverty (CAP) also offer free help and advice on debt issues, and StepChange offers free online debt advice to help those who are facing debt issues.
Can I write off my debt?
In some cases, you may be able to write off your debt by joining an Individual Voluntary Arrangement (IVA). With this scheme, you enter into an agreement to pay a one-off sum or you may monthly installments for a certain period of time until the debt is cleared. It usually takes around 5 years for this debt to be cleared.
Find a local licenced IVA insolvency practitioner here.
You can also enter into a Debt Relief Order (DRO) if your budget after bills is £50 or less, and you don’t have assets over £1,000. You must use an authorised debt advisor to enter into a DRO. This is a list of authorised debt advisors.
Know your rights and take control of your debt. Don’t ignore contact from Clarity Credit Management Debt Collectors and if possible, set up a payment plan to cover your debt. If you are still receiving a lot of calls and emails from the debt collectors about your debt, even if you have already made an arrangement, or you feel like the way they are treating you is unacceptable, you can contact the Financial Ombudsman and let them know about the situation.
If you are feeling stressed out and anxious about your debt situation, you are not alone. It is important that you deal with the situation as soon as possible. The quicker you make contact with Clarity Credit Management Debt Collectors, the sooner you will be able to get a handle on your debt problems.
Clarity Credit Management Debt Collectors Contact Details:
Company Name: Clarity Credit Management Ltd
Other Names: Clarity Credit Management, Clarity Debt Collectors
Phone: 01604 686050