You Might Not Have to Pay Clarke Willmott Debt Collectors!
Do Clarke Willmott Debt Collectors always seem to be calling you? Are you fed up with the threats? Are you being told to pay debts you don’t owe? If these questions are relevant to you, read on! You might not need to pay them back!
Who are Clarke Willmott Debt Collectors?
Debt recovery is just a small part of the service that is offered by legal firm Clarke Wilmott. Not only do they work with commercial businesses of all sizes, but they also tackle outstanding debt that is owed to utility companies, local authorities and managing agents too. They have been working on debt recovery for a number of years and have built up a range of expertise in the area.
Read what to do if you can’t pay back your debt.
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 Clarke Willmott Debt Collectors Legit?
As a legal firm, it is easy to assume that Clarke Willmott are entirely legit in their operation. However, whilst they do seem to take a professional and well regulated approach to any debt collection work that they undertake, as a consumer, it is vital that you do not instantnly make any payments or agree to any payment plans after dealing with them, as this will go against your best interests.
What does Clarke Willmott Debt Collectors Do?
The debt recovery team at Clarke Willmott take the standard approach to debt recovery. They do not buy debt, they work with their clients in order to manage and then also settle any debt that is outstanding. This means that they contact the debtors, arrange a one-off payment in full or a payment plan then manage this until it is completed.
What does Clarke Willmott Debt Collection Process look like?
The debt collection process within Clarke Willmott looks much like the collection process for any debt collection agency. Although it is important to keep in mind that debt recovery is only a part of what Clarke Willmott do. They contact the debots via the usual approaches and then will try to take a tailored approach to ensuring that the money that they owe is paid back in full.
Clarke Willmott were tasked by the official receiver to work out how much income tax I would have been liable to pay. They incorrectly calculated the amount due leading me to pay too much and be out of pocket for some time. When I spoke with the relevant manager I was told I was wrong and their AAT qualified member of staff was correct.
I pointed out (to their surprise having clearly assumed I was an idiot) I was also AAT qualified but unlike them, could work out the tax liability correctly. During the conversation I was told there was two ways of working tax out which was news to me (and wrong). I was also told working out my income tax was complicated as my wages can fluctuate month to month which surprised me as it changes nothing as to how the actual calculation is made, only the figures you use change. Ok The parting comment from the member of staff was “”at the end of the year we will see who was right won’t we””. Funnily enough it was me.
If Clarke Willmott had continued to be trusted to work out the amounts due, I would have overpaid by hundreds, maybe even as much as £1,500 over the duration.
I would urge anyone who has trusted this company to calculate their income tax to get it double checked.
Why are Clarke Willmott Debt Collectors contacting you so much?
If you are fed up with contact from Clarke Willmott Debt Collectors it is understandable, as these debt collection agencies can be relentless. They want (or need) to make their money back, and they will often stop at nothing to get you to pay up! Unfortunately, this can lead debtors to feel unhappy and overwhelmed.
Do you really owe the money?
You should get some more information about the debt, if you don’t recall it or you think there may be an error with it. It is important that you don’t just pay debt, if you don’t recognise it. There could have been a mistake made, and you may end up paying money you don’t actually owe!
If in doubt, you should always ask for a copy of your original credit agreement. If the debt collection company won’t or can’t provide this, you are under no obligation to pay it.
Should you pay?
If you owe the money, you should pay it, if you can afford to do so without leaving yourself out of pocket. If you can’t afford to pay the full amount, a partial payment may be another option or you can set up a repayment plan to suit. Clarke Willmott Debt Collectors may ask for proof of your earnings before setting this up.
Are debt collectors ruining your life?
If debt collectors are constantly contacting you, chances are that they are making your life difficult. They may be phoning you all the time, sending you messages or just generally hassling you. If this is the case, you are not alone, there is help available. So if Clarke Willmott Debt Collectors are making your life miserable, you shouldn’t just put up with it.
Clarke Willmott Debt Collectors – the law is on your side
The Office for Fair Trading (OFT, 2012) has published legislation, which protects borrowers from debt collection agencies. The law states that:
- Debtors must be treated fairly and without aggression.
- Any information provided to debtors should be clear, and factual.
- Debt collection companies must show empathy towards the debtors financial situation.
- They should take the debtors circumstances into consideration when dealing with the situation.
If Clarke Willmott Debt Collectors are not following the rules, you can make a complaint to the OFT.
To make your complaint about Clarke Willmott Debt Collectors, you can use this online complaint form.
If debt collectors are pretending to be an external agency, when they are in fact a part of the company you owe the money to, they are not adhering to the regulation, as they are not being truthful.
The best way to deal with Clarke Willmott Debt Collectors
You may be wondering what to do about the situation you are in, and how to deal with your concerns. These are some steps to take when dealing with Clarke Willmott Debt Collectors.
Speak to them
The first step in dealing with Clarke Willmott Debt Collectors is to just speak to the agent. It can be extremely tempting to just ignore calls from debt collection agents, but this will just make the situation worse. The best thing to do is deal with it head on, and the sooner you do, the better.
Set up a repayment plan
If you can pay the whole lot off, then by all means, do this. If not, then a repayment plan is the best option. It is important that you take steps to pay back your loan. If debt collection agents are trying to force you into paying money you can’t afford, you can report them and make a complaint.
If you wish to make a complaint, you can do this by Reporting them to the OFT using this online complaint form.
The debt collection agency spoke to my colleague
Debt collection agencies have no right to tell anyone else about your debt. They should discuss it with you, and you only! If you find out they have spoken to anyone else, including a colleague, family or anyone else, you can report them as this is illegal behaviour. It is a breach of OFT guidelines and privacy laws.
You can report this behaviour to the Financial Ombudsman on 0800 023 4567 or 0300 123 9123
Visiting your home
There are some instances when debt collection agencies will threaten to visit your home to ‘talk about’ the debt. This is not permitted though, and if they threaten this, they are breaching the guidelines.
If you feel threatened and unsafe in your own home, you can most certainly contact the police and report them.
They are trying to wear you down
Debt collectors such as Clarke Willmott Debt Collectors are trying to wear you down, so that you just pay what you owe. This can be difficult to deal with though, and can cause stress and anxiety. Try to stay as calm as possible, and deal with the situation without getting too stressed. Don’t let them get to you!
Is there any debt help available?
Thankfully, there is plenty of debt help available for those who find themselves facing financial difficulties, including commercial debt management companies and those who provide free assistance. Here are some options:
- Citizens Advice Bureau (CAB) – get help and advice with your debt.
- Christians Against Poverty (CAP) – offer free debt help.
- StepChange – provides free online debt advice and helps people get back on track.
Individual Voluntary Arrangement
If your debt problems are out of hand, and you have no means to pay them. An Individual Voluntary Arrangement (IVA) is a good option. With this, you can pay off some of your debt, but the rest of it can be written off. This can be particularly useful if you have extremely high levels of debt. Although, it also means that getting credit in the future may be more difficult.
Find a local licenced IVA insolvency practitioner here.
Updated regulations have meant that debt collection agencies can no longer act in an unlawful manner. If they do this, you can report them, and they may even lose their licence.