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JCIA Debt – 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 7th, 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 wondering about JCIA debt and what to do? You’re not alone. Each month, over 170,000 people visit our website to find answers to their debt questions.

In this article, we’ll give you clear guidance on:

  •  What JCIA is and if it’s a real business.
  •  How to understand a JCIA debt.
  •  Ways you might be able to write off some JCIA debt.
  •  How JCIA might try to get payment from you.
  •  Steps to respond to a JCIA debt letter without paying.

You might be worried about how to deal with JCIA debt. We understand, as many of us have been in the same place, dealing with debt collectors and research shows that 64% of UK adults find interactions with current debt collectors stressful1. But don’t worry, we’re here to help you. 

This article will help you make sense of your situation and give you some options.

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.

What is a JCIA debt?

A JCIA debt is a debt owed to JCIA because they bought the debt from a company you previously had dealings with. They are well-known for buying debts from gyms, telecommunications businesses, credit card companies, payday loan providers, and insurance businesses.

Debt collection agencies like JCIA debt buy billions of debt annually at rock bottom prices – at an average of 10p to £12!

So, if you have a debt to one of these types of businesses, it’s possible that they have sold your debt to JCIA, making it a JCIA debt. In such a case, the agency will pursue the debt relentlessly in order to make a profit.

How does JCIA chase you for payment?

You might be contacted by JCIA to pay your debt, but in the UK, it’s more likely that you’ll be contacted by Creditlink Account Recovery Solutions (CARS). CARS is part of JCIA and is responsible for tracing debtors and getting them to pay. 

They will send you letters asking you to pay or get in touch to discuss payment plans when you can’t afford the full payment at once. These letters may be threatening and could suggest that legal action will be taken if you don’t pay. Sometimes this is a real possibility, but some debt collection companies say this to make you scared and pay. 

Janine, our financial expert, explained that while debt collectors can visit your home for payments, they cannot come to your workplace, act threateningly, force payment, or discuss your finances with others. If they violate these rules, you can complain.

How to respond to a JCIA debt letter (without paying!)

You can respond to the JCIA debt letter by asking for evidence that you owe the money they claim you owe. JCIA or CARS then need to send you evidence of the credit agreement or contract you signed, which should be a copy of the signed original. You’re not obligated to pay the debt until JCIA has provided this evidence. 

JCIA may not reply with the evidence and simply re-state what you owe. If this happens you should keep a copy of their failure to supply evidence and ignore future letters until they provide evidence. If they take you to court over the debt, you should show the judge that you asked for proof but never received it. This can assist you in winning the case and is why you should keep copies of your prove-the-debt letter. 

» TAKE ACTION NOW: Fill out the short debt form

Should you pay JCIA?

You don’t have to pay JCIA straight away and you might not have to pay them at all. When you receive a JCIA debt letter requesting payment, make sure you take action and don’t ignore it. There are things you can do without having to instantly pay. 

It’s important that you know that debt collection agencies typically follow a specific timeline during a process like this one. To help you stay on top of the game and know exactly where you currently stand, please check out our related article on the topic and take a quick look at the table below.

Stage Actions What you should do:
Missing one or two small payments Calls and letters from the debt collector asking for payment. They may enquire about reasons for missing payments. Contact the debt collector and offer to pay what you can. If you are struggling to pay the debt, get in touch with us to explore your options.
Missing large or multiple payments Their contact will become more frequent, urgent, and threatening. Contact the debt collection agency and offer to pay what you can. You may also make a complaint if you think the letters are a form of harassment.
Debt collector visit After a few months, if the debt is significant (£200+) you will receive notice of a debt collector visit. They have to notify you before arriving. Debt collectors cannot take anything from your home – they may only ask for payment. If a debt collector shows up at your home, ask them to show proof of the debt and their ID through a window. Do not open your door or let them in. You can arrange a payment plan with the debt collector, but make sure to get a receipt of this.
Court If you still do not pay your debts to the original lender/debt collector agency, they will take you to court and either attempt to:
– File a CCJ against you.
– File an attachment of earnings order.
– File a lawsuit against you.
You must show up to your court date. From here, you can either dispute the debt, or the judge will likely suggest a manageable repayment plan for you.

Another loophole to avoid JCIA debt

There is another way you could potentially avoid having to pay your JCIA debt. Some debts in the UK are banned from going to the courts because they have become too old. The average timescale is six years for most debts, including the types of debts that JCIA and CARS chase. 

When a debt becomes too old to go to court – i.e. a statute-barred debt – you can tell JCIA that you won’t be paying for this reason. We’ve made a free statute barred letter template to help you get the message across easily. Just be aware that your credit score can still be affected by unpaid statute-barred debts. 

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

JCIA reviews (CARS)

There are a lot of negative reviews online about JCIA and CARS. Lots of reviewers state that they’re being chased for debts that they don’t owe and being harassed. Here are a couple of examples:

“Useless company, chasing me for a debt that I don’t owe. Had the account fully closed by Three after they admitted the fault was their end. Have sent this proof to C.A.R.S via E-Mail and letter, had no response. Three themselves have told me twice they’ve also informed C.A.R.S but they still keep harassing me!”

  • Mark A (Google review)

“SCAM. This company keep sending me letters saying I owe money to Three. I have never had a Three account so don’t know how I can owe them money.”

  • Pamela S (Google review)

One explanation why people keep getting chased for debts they don’t know about is mistaken identity. JCIA may be tracing debtors to the wrong address – or there could be admin errors during the process. 

But don’t ignore JCIA just yet. There are things you need to do even if you think there’s a mistake!

Other Debt Collectors 

You should check for more outstanding debts that you may have with other companies or debt collectors. Here are four steps you could take: 

  1. Check your credit report for other defaults 
  2. Check your email and post for reminders or overdue notices
  3. Check the court records for CCJs against you
  4. Check your bank statements for the names of other debt collectors 

There are hundreds of debt collectors in the UK and each works with different companies to collect debts.

For example, Cabot Financial have been known to collect for the DVLA while Lowell Financial and PRA Group buy debts from various credit card companies like Barclaycard.

If you see a name on your bank statement that you don’t recognise then you can search MoneyNerd to see if they’re a debt collector. 

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.

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Reviews shown are for The Debt Advice Service.

JCIA Contact Information

Phone: 0203 437 0310
Post: JC International Acquisition, LLC
5th Floor, MidPoint, Alencon Link, Basingstoke RG21 7PP
Email: [email protected]
Website: https://www.jcia.co.uk/

Further JCIA debt help

Additional support and guidance can be found at debt charities and Citizens Advice. We recommend speaking to these organisations if you have more money worries. And we have created our free debt help centre, which is full of information on different aspects of dealing with debts.

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.

References

  1. InDebted, Debt Collectors Survey
  2. Jubilee Debt, A Fresh Start After Covid-19
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.
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