DG Collection Debt

Have you been contacted by DG Collection Debt Collectors about a debt you have failed to repay? Has the debt build up, but you are unable to pay it back? Are the debt collectors asking you to make payments you can’t afford? Are the debt collectors threatening court action against you? If these questions ares familiar, or you are facing similar issues, this article will help you get a better understanding of what action to take next.

DG Collection Debt Collectors

Who are DG Collection?

DG Collection is one of the leading independent enforcement agencies in the UK and they specialise in bailiff recovery services. They also offer collection of counsel tax as well as non-domestic rate arrears.

What is the reason for the contact by DG Collection Debt Collectors?

There are so many people in debt that the debt collection business has become extremely big. Debt collectors like DG Collection Debt Collectors come in many forms, including independent businesses and some operate as a part of the original company you have the debt with, which may include a bank, credit card company etc. You may even find that there are some debt collectors who are working as sole traders.

The business model for all debt collection companies and sole traders tends to be the same. They basically purchase the debt for a small price, which is much lower than the face value, this may even be as little as 20% of the face value, and they start to make a profit as they collect in the money. There are often little morals involved in this, or empathy towards the debtors. They just want you to pay up, and the sooner you do it, the better; regardless of your circumstances. In short, they don’t really care. The Office for Fair Trading (OFT, 2010) reported that the poor behaviour amongst debt collection does “appear to be widespread”.

Is it your debt?

Is this actually your debt, or have they contacted the wrong person? The first thing you need to find out is where the debt originated from in the first place, and the total amount you owe towards the debt. If the debt doesn’t look familiar to you, or the value of the debt seems odd, you should know that there is probably extra costs and interest added. So, it may seem higher than you remember.

The first thing to do is to write to DG Collection Debt Collectors and request that they send you a copy of the original credit agreement. If they are unable to provide this, or they refuse to do so, you would not need to pay the debt.

Do you really need to pay?

If this is your debt, you should definitely take steps to pay it. You may not want to pay it, but you have a responsibility to do so. If you paying the debt will lead you to face further debt issues, then you should only pay what you can. It is important to take care of essential bills, such as your mortgage and energy bills. If you are unable to pay, a debt repayment plan might be the most appropriate option. Speak to DG Collection Debt Collectors and discuss the option that may suit you best.

The lasting effect of the debt collector

In many cases, debt collectors will pull every trick in the book to get you to repay the debt. Sometimes they will use tactics, which could only be described as ‘questionable’, even immoral at times. These tactics will often include trying to bully you into repaying the debt, or putting huge pressure on you. If you can’t afford to pay the debt, this can be extremely upsetting and distressing.

If you are being constantly harassed by DG Collection Debt Collectors about debts you haven’t paid, it is likely to lead you to feel upset at the best, and devastated at the worst. In some cases, dealing with debt collectors has led people to consider suicide, and the debt support trust even said that as many as 50% have suicidal thoughts as a result of dealing with debt collectors. If you can’t pay your debt and you are being hounded, this is bound to take its toll on your mental health, especially if the debt collectors won’t give you peace. Some are relentless in their pursuit, and may even resort to calling you multiple times every day to try and get you to react. Of course, if you have debt, then you should pay it. However, debt collectors have no right to harass, bully or try to intimate you into paying. The problem with both the way debt collectors were behaving, and the irresponsible lending, led to a call to government to step in and try to deal with the issue, which is exactly what happened.

DG Collection Debt Collectors and what the law tells us

The Office for Fair Trading (OFT, 2012) put some guidelines in place, which were aimed at debt collection businesses and how they operate. These guidelines were for the purpose of ensuring that debtors were protected from any harassment, bullying and general bad practices. According to these guidelines, debt collection businesses should:

  • Make sure they treat debtors in a far and appropriate manner, which does not involve any aggression, deceit or improper treatment.
  • Always ensure transparency, and provide debtors with clear information, which does not confuse them or mislead in any way.
  • Show consideration towards debtors, who may be experiencing financial difficulty.
  • Deal with the debtor in a way that is appropriate to their circumstances, as not every situation is the same.

If you feel that DG Collection Debt Collectors are failing to abide by the guidelines, and instead, they are resorting to underhand and disrespectful tactics, you may want to consider reporting them to the OFT. In the worst case scenario, they may to look to remove the license of the debt collectors.

You have the right to make a complaint about DG Collection Debt Collectors, and you can do so via this online complaint form.

In some cases, you may find that debt collectors will say that they are an external debt collection agency, but they are actually working alongside the original credit company you have the debt with. This is against the legislation, as it is an act of deceit, which they are forbidden to do.

Find out more about how DG Collection Debt Collectors operate

It can be difficult to know what to do next, if you are contacted by debt collectors and you are not familiar with them or their practices. These are some things you may want to know about debt collection agencies.

The agents receive a bonus

You may find that the agents at DG Collection Debt Collectors will receive a bonus depending on how much money they manage to bring in. This will give you a better understanding of why they are so persistent. They may receive a daily, weekly or monthly bonus, and the more money they bring in, the better their bonus will be. The last thing they want is to come off the phone and state that they have not managed to get any payment from you.

With this knowledge, you need to be able to keep your nerve, and don’t let them break you down. You have the knowledge that most of the threats they make are not real and therefore, you can turn it around. If you can’t afford to pay, don’t be forced into it. You need to deal with your debt, but only at a rate that works for your own situation.

They will often use call technology

As highly tempting as it is just to ignore the calls you receive from DG Collection Debt Collectors, this is not the best way to deal with your debt situation. Regardless, the debt collectors will find a way to get you to speak to them, and this may even include the use of call technology. They may try to call you every hour to frustrate you into paying up, and even when you do pick up the phone, it might be silent. It is done to intimidate you.

If you are receiving an excessive number of calls, you should keep a note of these. It may be the case that the debt collectors are breaching the OFT guidelines, in which case, you might not even need to pay the debt back. If you are concerned, you can let the agent know that you will be in touch to report them to the Financial Ombudsman.

You have the right to contact the Financial Ombudsman, and you can do this by phone on 0800 023 4567 or 0300 123 9123

Changing tactics

You may find that the agent you speak to changes tactics, even during the same conversation. They are likely to start the conversation by being friendly and approachable, but this may change when they discover that you don’t have the funds to pay the debt back. After all, they are only on the phone to get payment. Unfortunately though, the attitude can take a turn for the worse and it could even become abusive. For example, they may become aggressive and angry that you can’t pay and this may even lead to abuse down the phone. They ultimately want to wear you down so that you just pay the debt, but you should never pay unless you can realistically afford to, while taking care of your day to day expenses.

There is no doubt that is far from easy to deal with this behaviour, which is the reason why they do it in the first place. Stay strong and deal with them in the way that best suits your own situation. If you wish to make a complaint, you can report them to the OFT using this online complaint form.

Do they have the right to speak to third parties?

If you don’t answer the phone when the debt collectors call you, they may just speak to whoever they can get hold of, even if that is a colleague at your workplace. Of course, this is unacceptable. They should never discuss your financial situation with anyone, regardless of who it is. This sort of behaviour is illegal, and is against both the OFT guidelines, and privacy laws.

If they have done this, you should definitely report them to the Financial Ombudsman on 0800 023 4567 or 0300 123 9123

Would they lie to you?

Some debt collectors believe they don’t really need to abide my the law, and they will use some nasty tricks to try and get you to pay up. They may even lie to you and go as far as to pretend that they are a bailiff, which is not the case. They do not have the right to come to your home and remove any goods. It is important to be aware of the lies you might here, so you are equipped to deal with the,

Do not give them permission to come to your home. If they do this, you should not allow them to enter. If you feel that you are under threat, do not hesitate to contact the police.

Don’t let them get to you

Although they can be relentless in their pursuit, you should not let DG Collection Debt Collectors wear you down. Unfortunately, the behaviour of debt collectors can cause great distress, and in some cases, even suicidal thoughts. If you are in debt, you should do what you can to deal with it, without letting the debt collectors get you down. No matter how bad your situation may seem, there is always a way out, and the sooner you deal with it, the better. It is not worth letting them stress you out.

Do you need help with your debt?

There are lots of organisations out there who can help you with your debt issues; you are definitely not alone! You will find that some offer their services completely free of charge, while other commercial organisations will charge you for the advice. You should always opt for the free services first and these are some of the organisations to consider.

  • Citizens Advice Bureau (CAB) have expert staff who will be able to provide you with help and support in getting out of debt and dealing with your financial situation
  • Christians Against Poverty (CAP) will be able to provide you with free help and support in getting out of debt.
  • StepChange provides free online debt advice help people deal with your debt.

You can write off your debt entirely

You may be able to write off your debt by entering into Individual Voluntary Arrangement (IVA). An IVA is an agreement you reach with the debt collectors, whereby you pay a specific amount you can afford, either as a one-off sum or monthly payments, if this is easier for you. The debt is usually written off after a period of around five years, and the process should be carried out by an insolvency practitioner.

Find a local licenced IVA insolvency practitioner here.

Another option to consider is a Debt Relief Order (DRO). You would be able to get access to this if you have £50 or less remaining each month, after you have taken care of your household expenses. You must not be a homeowner or have assets of over £1,000

You will be able to apply for a DRO by going through an authorised debt advisor. You can find a list of authorised debt advisors here.

Final Thoughts

Although there have been many warnings from professional bodies, and government guidelines put into place, the behaviour of some organisations is still unacceptable. In some cases, this behaviour has led debtors to having suicidal thoughts. It is possible to deal with this though, and although you can’t just refuse to pay your debt, there is always a way to deal with your situation, in the best way to suit your situation. You will be able to help deal with their bullying behaviour by reporting them to the Financial Ombudsman they may even lose their licence.

About the author

Scott Nelson

Scott Nelson is a financial services expert, with over 10 years’ experience in the industry, including 6 years in FCA regulated companies. Read more
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