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Debt and Revenue Services Debt Collection – Should You Pay?

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Scott
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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
Janine Marsh Profile Picture

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
· Feb 6th, 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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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 letter you’ve received from Debt and Revenue Services Debt Collection? Unsure if you should pay or even if this is a real debt? Don’t worry; you’re in the right place for answers. Each month, our website gives helpful advice to over 170,000 people regarding their debt questions.

In this article, we will help you understand:

  • Who Debt and Revenue Services are.
  • How to know if you really owe this money.
  • What happens if you don’t pay them.
  • Ways to stop them from writing to you.
  • How to maybe make the debt smaller or even go away.

We know how scary it is to get a letter like this as some of our team members have had letters from debt collectors too. We understand how you feel.

Here’s how you can deal with Debt and Revenue Services Debt Collection.

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.

Those Scary Debt and Revenue Services Letters

Like other debt collectors, 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.

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.

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

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.

» TAKE ACTION NOW: Fill out the short debt form

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.

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:

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.

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.

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.

Get started

Reviews shown are for The Debt Advice Service.

Will They Give Up Chasing?

After all that you might be wondering whether you can just wait it out and hope they stop chasing you.

Sadly, that’s probably not going to happen. Most debt collectors are persistent.

debt collector chased debt

Source: Moneysavingexpert

As you can see Robinson Way starting to chase a debtor mere days after their mortgage application and a full 12 years after the debt was originally chased.

Other agencies like Lowell Group, Portfolio Recovery and Cabot Financial are constantly being accused of buying Statute Barred debts and then chasing people for payment.

Debt and Revenue Services Contact Information

Website: https://my-drs.co.uk/
Phone: 0151 545 1500
9 am – 5:30 pm Monday to Friday
Post: 1st Floor, Moorgate Point,Moorgate Road, Knowsley Industrial Park
Liverpool L33 7XW
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.