Free Debt Advice: 01684 217897
JC International Debt Acquisition Debt Collection

Have you received a letter or call from JC International Acquisition Debt Collectors? People find themselves in debt for all sort of reasons. This might include losing a job, going through a divorce or the emergence of problems beyond their control. On the other hand, it could be you’ve been trying to pay off a number of debts and hit problems further down the line. Read this guide and you may be able to write off your debts!

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.

The first thing to realise is, you’re not alone and there’s plenty of help at hand from people who will not judge you. So try not to get too stressed at this point. It is however, important to meet the problem head on and you can do this by getting in touch with the creditor or debt collection company to acknowledge their letter.

If things have been left for a while or you’ve even had debts you thought might have been taken care of a long time ago, and get a letter or a phone call from a debt collection agency, you’ll need to take action.

JC International Acquisition

Who Are JC International Acquisition?

It’s worth remembering this company work closely with Creditlink Account Recovery Services Limited as an official and regulated debt collection agency. You’ll find just like a range of other agencies, they collect a range of debts on behalf of organisations from banks to various other service providers.

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:

Write off up to 85% of your debts

This 4 question debt calculator will tell you if you’re eligible.

What is the total amount of your debt?

Man being contacted by JC International Acquisition

Why Have I Been Contacted by JC International Acquisition?

If you receive a letter from JC International Acquisition for example, ensure you read it through a few times even if you don’t recognise the name on it. It’s certain this will be related to a debt you may owe, and it may not come to mind immediately. Take a moment just to ingest all of the information and clear your mind.

This is because the original debt could have been with another company – you may be confused at first, which is why you should calmly check every detail. You’ll need to get the collection agency to confirm these details when you speak to them.

Find your best debt solution (in 1 minute!)

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. If you’re eligible for the new government scheme, you could write off up to 85% of your debt! Answer the four questions now.

Being Unafraid of debt collection agency

Remember One Thing:

Don’t Let The Term ‘Debt Collection Agency’ Disturb you

  • They deal with all sorts of people on a daily basis.
  • You’ll be talking to another human being just like you.
  • They must abide by financial authority guidelines.
  • Every effort must be made to help you.
  • Solutions should be found politely and professionally.
  • There’s nothing to be afraid of.

What you mustn’t do is ignore a letter or a series of  letters or calls for the following reasons:

  • They could take possible court action against you.
  • It won’t make the problem go away.
  • They may add extra charges and interest.
  • You could eventually be issued with a County Court Judgement.
  • You may get a visit from a doorstop collector.
  • Your credit file could suffer as a result.

But don’t believe a lot of the myths out there because debt collection agencies aren’t bailiffs – What They Can’t Do is:

  • Claim excessive extra charges or interest.
  • Mislead you in any way over the key facts.
  • Take anything from your home.
  • Harass you in any way.
  • Act unprofessionally.
Man in debt, Can't pay in full.

But What If I Can’t Pay In Full?

It may sound like an old cliché – but talking as quickly as possible to the agency in question can certainly be a big help to you in the long run. If you recognise the debt and try to work with them, they’ll soon realise you’re a genuine person and will generally do everything they can to help in a professional fashion.

If you can’t afford to pay someone like JC International Acquisition in full, you should ask to discuss your circumstances and see if you can make a payment arrangement with them. You should work out a budget first, so you know how much you can afford. It’s good to be up to speed before you talk to anyone.

Man in debt who can't pay full is afraid about the happening

What’s Going To Happen?

Any reputable debt collection agency will ask about your outgoings – paying your general bills is all important of course, so you may be asked to work out how much you might have left at the end of the month. From here, they can suggest what might be a good figure for you to pay over a set length of time.

You can also offer a realistic amount yourself of course – and this may well be accepted, but make sure you can cover all of your general bills including shopping for food.

Be confident when dealing with the company and don’t let them pressurise you into an agreement you don’t feel totally comfortable with. A bad plan will just make the problem worse if you are going to struggle with payments.

Out Of The Blue

If an agency chooses to contact you by phone out of the blue, you have the right to ask everything be set out in writing. This could always act as a buffer to give you a little more time to formulate a potential plan going forward, as well as cut down any more contact for the time being.

In fact, they should offer you a 30-day time-frame, meaning any other contact will only involve what for example,  JC International Acquisition are required to send under the law.

Getting the correct facts

Getting The Correct Facts

Any debt collection agency should ensure they have their facts correct before chasing a debt with an individual. Mistakes can still be made however – so if the debt is more than five years old in Scotland or six in the rest of the UK, it can’t be enforced under the 1980 Limitations Act.

This is why you should check back if possible, just to see if you have any records or are sure of the facts, before taking things any further.

Here’s A Real Case Study

“Looking for some advise for my mother, she recently received a letter from JC International Acquisition LLC in regards to an outstanding payment from an internet provider from years back.

“Basically they’d carried out some work as my mother was getting no internet access and they’d said if the fault was inside the house she’d have to pay. If it was an outside line issue no billing would be made. They determined it was outside and still tried to charge her but she refused to pay.

“Years later a letter arrived from JC International saying they’ve bought the debt and are chasing payment.”

“My mother asked them to prove she owed the debt – they then  sent another letter stating she must fill in a questionnaire from the site form N180.”

“As usual with these types of letters they say certain things must be completed within seven days. We weren’t sure if it was genuine.”

“Having consulted a financial expert we were told Form N 180 is simply to determine if  a case is suitable for the small claims track of the county court process. Also, to try to settle the case by mediation.”

What If I Don’t Feel Comfortable Talking To Them?

If you feel you need help, there are a number of organisations and debt solution specialists who can negotiate and talk to the agency on your behalf. But do your research until you find someone you feel happy with. They may even be able to secure an excellent payment plan that will shield you from further direct contact. There’s plenty of help online including and

Schemes Available to help

So What Schemes are Available to Help?

There are several options depending on the total amount you owe – and they include:

  • A Debt Management Plan – This is where a debt management expert can negotiate on your behalf to find a plan you can afford over time – this can be perfect for store and credit card debts, overdrafts or personal loans. In some cases the debt could be reduced.
  • Agreeing on a Scottish Trust Deed – means a legally binding arrangement to replace unsecured debt into a single monthly payment spread across 48 months. It could reduce debt payments by 60% and once the four years are up you’re debt-free.
  • Utilising a government-backed Debt Arrangement Scheme will enable you to pay off debts over an extended time-frame. But it will also offer protection from companies taking further action against you
  • An individual voluntary arrangement or IVA offers a legally binding agreement between you and your creditors to pay back money you owe across a set period of time.  Your creditors are legally bound to stick to it, but you will have to pay a fee. This is only useful however for larger debts over £8,000.
  • Becoming part of the Minimal Asset Process or MAP means because you’re on a low income and have little or no assets, you’re using a different method of applying for bankruptcy or sequestration in Scotland. This system enables you to write off debt within a reasonable time.
  • Getting a Debt Consolidation Loan involves a single loan enough to pay off all your creditors with one monthly payment instead of several. The loan will often be at a reduced rate with an extended time-frame. On the down-side, they can also come with early exit fees.
  • Bankruptcy should be the final option and it’s not for everyone – but it does carry a fee. It’s a legal process for those who cannot pay back what they owe. Bankruptcy is imposed by court order, often initiated by the debtor. You can be discharged from bankruptcy after a year but there are lots of things to consider so professional advice is essential, and it really should be a last resort.

Getting The Right Help

Given all of these choices, professional help can prove invaluable depending on how much money you owe. But remember – don’t just go to the first debt advisor you can find – take a look at several including any government-backed schemes and even the citizens advice bureau. This way, you’ll be certain of getting the correct help for your situation, just like Mr T Turner who said:

“Absolutely amazing from start to finish, my advisor was with me every step of the way. An effortless process that left me feeling liberated. Life-changing service and would recommend them to anyone struggling with debt. Thank you so much.”

Unfairly treated by JC International

What If I feel I’ve Been unfairly treated By A Debt Collection Agency?

If this is the case you’ve every right to complain to the agency in writing – and you should do so as quickly as possible.

They are certainly obliged to resolve all problems as speedily as they can – and you should get a final response within 56 days.

If you’re still not happy the Financial Ombudsman Service are there to help, though it may take a little time to go through the system.

Trustpilot testimonials

“Theo of the Ombudsman is second to none. He saved my bacon regarding unfair fees. I’m debt free now and cant thank him and the service enough”.

“The person I spoke to was very understanding and would make note of my telephone call to help improve their level of service The sum of it all is, you can send as much proof of wrong doing by the Finance company but it is the OPINION OF THE OMBUDSMAN THAT COUNTS.”

Dealing With The Problem

The landscape of dealing with a debt problem has changed greatly over the years and as you now know, lots of help is available. Always remember you are not alone, but try and act calmly and face the problem head-on. And remember these wise words from Financial Expert Martin Lewis who said: “ I have yet to come across a debt case that could not be resolved.”

A good management plan will enable you to get back on with your life, and hopefully stay clear of further problems.


CONC 7.3 Treatment of customers in default or arrears (including repossessions): lenders, owners and debt collectors

CONC 7.9 Contact with customers

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
×4 Question Debt Write Off Calculator SEE IF YOU QUALIFY