Debt Collection Services – Should You Pay? 2022
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Has panic set in because of a call or letter from Debt Collection Services Ltd? We are here to provide calm and solutions. Read this guide if you’re having to deal with Debt Collection Services and want to know how to fight back properly.
Beating Debt Collectors
There are several ways to deal with debt collectors and improve your finances.
Choosing the right way to tackle your debt could save you time and money, but the wrong one could cause even more harm.
It’s always best to find out about all your options from a professional before you take action.
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Who are Debt Collection Services?
Debt Collection Services UK Ltd, also known as DCS, is a debt collection company in the UK. The company has a registered office in Wakefield and is authorised and regulated by the Financial Conduct Authority.
They work for other businesses and sometimes individuals to recover unpaid monies. So don’t assume they’re a scam if they get in touch. It’s just that they’re chasing you on behalf of someone else, who you may have had an agreement with previously.
How do Debt Collection Services operate?
Debt Collection Services operate by tracing the debtor and their contact information and then repeatedly calling, emailing or sending letters asking for payment. Lots of calls may be made to apply pressure and encourage the debtor to give up and just pay.
However, Debt Collection Services cannot harass you or disclose your debt to others. Any harassment or divulgence of information should be reported to the Ombudsman Service.
Debt Collection Services is an attractive service to many companies because they don’t charge fees unless they successfully recover money. Therefore there is no risk for businesses to try the services of Debt Collection Services.
Can Debt Collection Services come to your house?
The staff of Debt Collection Services might try to visit you at home to request payment, but you don’t have to talk to them and you can request they leave. If they don’t leave you can call the police and consider their behaviours as harassment.
It’s important to note that a debt collection agency like Debt Collection Services isn’t the same as a bailiff. Debt Collection Services provide services before debt matters go to court. Whereas a bailiff is used to enforce a court order for a debt to be paid.
Who are Debt Collection Services’ clients?
Debt Collection Services are well-known as veterinarian debt collectors, which means they chase unpaid vet bills for veterinarian clinics. However, their client testimonials page suggests they also work for accountants, grammar schools, electrical companies and more. In fact, their services are open to everyone.
Have you received a letter from Debt Collection Services?
One of the ways that Debt Collection Services will ask you to pay a debt is in writing. They send Letters Before Action, which are special letters that ask you to pay and threaten legal proceedings if you don’t.
Unlike calls, text messages and emails, a Letter Before Action is an important step in taking you to court. So this communication is considered more important and requires attention.
Will you really be taken to court?
You may or may not be taken to court for not paying Debt Collection Services. The answer depends on whether the client wants to take the matter further. Some companies will and others will hope a scary letter will be enough to make you pay.
If you’re taken to court, the claimant could ask a judge to issue a court order that makes you responsible to pay in the eyes of the law. Not paying at this stage could result in money taken from your wages or even bailiffs.
Can you ignore Debt Collection Services?
You shouldn’t ignore a Letter Before Action from Debt Collection Services. This is due to the possibility of legal proceedings. But does that mean you should pay Debt Collection Services?
Should you pay Debt Collection Services?
Unless you wish to pay the Debt Collection Services debt, there are things you can do to not immediately pay without ignoring the letter. You may end up having to pay later, but there’s also a possibility that you won’t have to open your wallet at all.
Keep reading to find out your options!
The first step to fighting back against DCS
The first step should be to explore your eligibility to use the statute barred loophole. This is a law that restricts older debts from being taken to court. When a debt is banned from the courtroom, a judge can never ask you to pay it. And thus, you will never be made to pay.
The debt isn’t written off just because it can’t be subject to litigation. But you can tell Debt Collection Services that you won’t be paying and ask them to write it off as a result.
Still enforceable? Ask DCS to prove it!
When a debt can still be legally enforced, you should instead reply to the Debt Collection Services letter by asking them to prove you’re the person who owes it. Without this proof, which should be a scan of an agreement you signed, you don’t yet have to pay.
This could buy you time while they send the evidence or it could even get you off the hook. It’s also the best way to respond if you think Debt Collection Services is contacting you by mistake.
Debt Collection Services sent me proof – next step?
If Debt Collection Services does end up sending you proof and you agree with it, it’s probably a good time to pay. If not, there is the chance you’ll be taken to court.
Don’t worry too much if you can’t pay it all in one lump sum. Debt Collection Services are likely to accept reasonable payment plans or you could make them a debt settlement offer. Those with debts elsewhere might want to explore debt solutions, like a DMP or an IVA.
Sick of dealing with debts?
Make your Debt Collection Services debt the last one you have to worry about by speaking with a UK debt charity. They might be able to offer solutions and better methods to manage your finances. And don’t forget about our debt info hub, which is full of useful information for all types of debtors!