Beat Debt Guard Solicitors with our guide that tells you your rights and how to respond to their debt letters.
We know exactly what to do when Debt Guard Solicitors write to you, and you will too once you’ve read this short guide!
It’s not your fault. Complaints to the Financial Ombudsman have risen this year from 830 to 2,006, so it’s safe to say that you’re not alone.
Deal with your debt today and feel better tomorrow.
Who Are Debt Guard Solicitors?
Debt Guard Solicitors work as a debt collection group to chase UK residents who owe their clients due to unpaid invoices and arrears. They will chase the debt and try to get you to pay so they can take a cut of the money and make a profit.
They are not a scam business and they are recognised by the debt industries leading bodies.
Don’t worry, here’s what to do
You could get rid of debt collectors by writing off your debt. I’ve put together a 4 question debt calculator which will tell you if you’re eligible:
Who Will Debt Guard Solicitors Chase Debt for?
Debt Guard Solicitors chases debts for businesses and sole traders, usually because another business has not paid them what is owed, or a customer has not paid an invoice.
On the official website of Debt Guard Solicitors, they have a case studies page that tells potential clients about the industries they work in. The case studies they list come from different industries, including but not limited to clients who are accountants, financial advisors, catering firms and many more.
Ultimately, anyone could be a client of Debt Guard Solicitors and that means they could contact you about lots of types of debt.
But there is evidence to suggest their own clients are not happy with their services:
“They never reply to emails and lots of things are broken with their website, so you have to manually call up to action things.”
“Really poor all round, just use someone else who does these types of services better for the same price.”
These are just a couple of bad reviews you can read about Debt Guard Solicitors on Trustpilot. Most of their reviews complain about a lack of communication and poor customer service between Debt Guard Solicitors and the people they collect debt for.
Debt Guard Solicitors Debt Letters
The first way that Debt Guard Solicitors will try to get you to pay is by sending a letter. This is a letter that asks for full payment or tells you they will take legal action. The letter is meant to be intimidating because it is how Debt Guard Solicitors get the money quickly.
But, as you will learn below, you don’t have to pay straight away. Read on to learn your rights!
Find your best debt solution
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. Answer the four questions now.
Ignoring Debt Guard Solicitors LBAs
At the same time, it is not recommended to ignore any letters from Debt Guard Solicitors. You can use the debt collection process to your advantage – and maybe avoid paying legally – but ignoring their letters is always a bad idea.
If you ignore a Debt Guard Solicitors letter, it could mean you end up in court or your debt grows bigger.
Can Debt Guard Solicitors Take My Possessions?
Let’s get on things straight – Debt Guard Solicitors are not bailiffs.
A bailiff is a worker who is trained to enforce court orders, such as debts that the court has ordered to be paid. They might come to your home to collect payment or repossess items.
Debt Guard Solicitors are administrators that chase debts and have no legal powers that a bailiff has.
However, Debt Guard Solicitors can employ a bailiff to repossess items if the court has told you to pay and you haven’t.
If the debt is between your business and one of the businesses they work for, they cannot take your personal items. They can only take items that the business owns as it is a separate legal entity.
How Can I Stop Calls from Debt Guard Solicitors?
If you are receiving too many annoying calls from workers at Debt Guard Solicitors, you can make them go away. You will not be able to stop all calls, but by sending them your communication preferences (time and days) they have to stick to them.
If they choose to ignore your preferences, they could be judged as committing harassment. In this event, it might be time to complain to the debt collection ombudsman.
Get Debt Guard Solicitors to Prove the Debt
Earlier in our guide we said you can use the process to avoid paying straight away. If you receive a debt letter from Debt Guard Solicitors and it doesn’t include proof that you owe the debt, you can ask for it.
You are not made to pay without Debt Guard Solicitors sending you proof, such as a signed agreement that you defaulted on.
To request this proof, we recommend using our prove the debt letter template.
Explore Debt Guard Solicitors Solutions, Here!
Sending a prove the debt letter is worth it even if you know what debt that Debt Guard Solicitors are talking about and acknowledge you should pay.
It buys you some more time to assess debt solutions available. Debt Guard Solicitors are required to give you time do this anyway, but more time can always help.
And if they don’t prove it, you won’t have to pay!
One way of paying off the debt is by working out a monthly budget and asking Debt Guard Solicitors to spread the debt over several repayments. This is not unheard of.
For people with more debt than their Debt Guard Solicitors debt or if this debt is significant, there may be other debt solutions like bankruptcy, IVAs that can save you money, or Debt Relief Orders that are useful for people on low income.
When You Never Have to Pay Debt Guard Solicitors
You will not have to pay Debt Guard Solicitors anything if the debt they are wanting you to pay is statute barred.
This is when the debt is too old to go to court. Without a court decision, Debt Guard Solicitors have no legal grounds to employ bailiffs.
The end result is that you can never be forced to pay!
Find out more by researching statute barred debt online.
Further Help Dealing with Debt Guard Solicitors
For further help dealing with Debt Guard Solicitors, we recommend looking up the UK debt charities that offer free debt advice!