Debt and Revenue Services send scary debt letters to intimidate you and get you to pay without questioning things. We explain what you can do if you receive a Debt and Revenue Services debt letter and how to exercise your legal rights.
You could get out of paying Debt and Revenue Services altogether!
Who Are Debt and Revenue Services?
Debt and Revenue Services is a UK debt collection agency that chases people for debts and unpaid bills. Sometimes people know about the debt and in other times their debt letters come as a big surprise.
The business is fully recognised by debt industry regulators and the Financial Conduct Authority (FCA). You might also be interested to know that Debt and Revenue Services is actually a division of another debt collection agency called Ardent Credit Services Ltd.
If you have had communications with Ardent in the past, then Debt and Revenue Services are pretty much the same people.
Collecting Payday Loans and More!
Debt and Revenue Services do not advertise that they collect debt in a specific industry and may work for different companies trying to get money from their clients. One poster has confirmed that Debt and Revenue Services do collect for payday loan lenders:
“Has anyone had any experience with the above company [Debt and Revenue Services]? I received […] paper stating that they would be coming to my property on 2-3 august 2010 and I was to contact them asap. I called them (probs not the right thing to do) and they told me it was in regard to a payday loan.”
[Money Saving Expert]
There are two important things to note from what the poster has said. In no circumstances can Debt and Revenue Services come to your property and never have the right to enter. And this debt would not need to be paid today (more on that later!).
Those Scary Debt and Revenue Services Letters
Debt and Revenue Services will usually send a debt letter asking for payment straight away and threatening court action if you don’t. These letters may have shocked, scared and intimidated you – and that is exactly why they send them.
Sometimes, a scary debt letter is all it takes for Debt and Revenue Services to get the money. But there are things you can do first instead of paying.
Do Not Ignore Debt and Revenue Services
Whatever your next move is, do not ignore a Debt and Revenue Services debt letter or email. By ignoring them, you may end up in court and the situation can escalate.
If your reason for ignoring them is an inability to pay, then we have some debt solutions for you later on.
Can Debt and Revenue Services Come to My Home?
The forum post we published earlier states that the debtor received a letter saying that Debt and Revenue Services workers would come to his/her home.
This is not allowed!
Only a law enforcement officer can enforce debt after it has been to court. If Debt and Revenue Services are pretending they have the same powers as a law enforcement officer to get the money then they are breaking industry rules.
Make Debt and Revenue Services Prove Your Debt
The first thing you should do when Debt and Revenue Services ask for money is to ask them to prove you owe the debt. You should do this even if you know you owe it, just because it can help you buy time – and without proof there is no obligation to pay.
Requesting proof has now been made easy thanks to the Money Nerd prove the debt template. Use our letter with your personal details to send to Debt and Revenue Services and request proof easily.
Mitigate Debt and Revenue Services Calls
If they do prove the debt – and sometimes before – you might receive lots of calls from Debt and Revenue Services workers asking for money.
Too many calls and calling during hours you have asked them not to is harassment. That is why it is crucial that you tell them when you are not available to speak.
You should report debt collector harassment to the Financial Ombudsman.
Debt Solutions Are at Hand!
For people on lower incomes and in debt, it can be difficult to see how they can pay Debt and Revenue Services. The best way to pay in this situation is often through a Debt and Revenue Services repayment plan. The agency will in fact offer repayment plans to spread your debt over many months, maybe even years.
Other debt solutions may be better for your specific circumstances, such as:
STOP – Don’t Pay Debt and Revenue Services if This Applies
There is a legal loophole in the UK that stops some debts from going to court. Because the courts are so busy, they don’t want to deal with debt cases from years ago – six years to be exact.
If your debt is at least six years old and never been issued with a CCJ, there is a good chance that you will never be forced to pay. This is called statute barred debt which prevents it going to court, but it doesn’t exactly wipe it.
The debt continues to exist, but you never have to pay. Send Debt and Revenue Services a statute barred notification if this is the case.
How to Complain about Debt and Revenue Services
We have outlined many reasons that debtors could complain about Debt and Revenue Services. From pretending to have the right to enter your property to nuisance calls, all of these should be complained about directly with Debt and Revenue Services first.
Still not happy? Send your complaint with evidence to the Financial Ombudsman and you might even get a small payout.