Have you been contacted by JS Collections Ltd Debt Collectors about an outstanding debt? Have you ran up debt and are unable to pay it back? Have you been contacted about debt you don’t think you owe? Are the debt collectors contacting you and threatening court action? If these sound familiar, or you are dealing with similar issues with the company, we can help. Read on to find out more.

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.

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Who are JS Collections Ltd?

JS Collections Ltd were incorporated in May 2009 and based in Wellingborough, Northamptonshire. They are controlled by John Foster and Syrita Foster who are equal shareholders and are authorised by Central London County Court as certificated enforcement agents.

Address:
Venture Court, 2 Debdale Road, Wellingborough, Northamptonshire, NN8 5AA

Registration Number:
06907174

Incorporation Date:
5/15/2009

License Granted:
03/10/2017

Also Known As:
JS Collections Ltd Limited
JS Collections Ltd Ltd
JS Collections Ltd Group
JS Collections Ltd Bailiffs
JS Collections Ltd Debt Collectors
JS Collections Ltd Debt Collection
JS Collections Ltd Agency

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:

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

What is the total amount of your debt?

Why are JS Collections Ltd Debt Collectors contacting you about outstanding debt?

You may or may not know it, but the debt collection business is massive. Debt collectors like JS Collections Ltd Debt Collectors can come in different forms. There are some debt collection agencies which operate as independent businesses, there are others that mat act as a business arm of the original creditor, such as a credit card company, bank or such like, and there are also individual sole trader debt collectors. With this range of debt collectors it shows how huge debt problems really are.

Independent debt collection agencies and sole trader debt collectors have a business model which relies on them buying debt at a small fraction of its original face value, which could even sometimes be as little as 20% of the original cost. They start making a profit when they collect all or some of the debt. They don’t really have many morals. As far as they understand it, you are the one who ran up the debt and, therefore, you who are responsible for repaying it. This may be true, but when you are dealing with difficult financial problems, this attitude can make the situation feel even more overwhelming. They don’t particularly want to hear about you and your personal circumstances. You may say, they are not the nicest of people at times. The Office for Fair Trading (OFT, 2010) even stated that the poor relating to debt collectors “appear to be widespread”.


Is this really your debt?

Do you really owe this money, is it your debt? If you are unsure, the first you should always do is establish where the debt has originated and the total value of what you owe. It is highly likely that your original debt, if this does belong to you, has become much higher, due to various charges and additional interest. As a consequence, it may be substantially more than you thought you owed.

You can write to JS Collections Ltd Debt Collectors in the first instance, and ask that they send you a copy of your original credit agreement. If they are not able to give this to you, you will not be under any obligation to pay the debt back to them. You shouldn’t make payments, without any proof.

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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.

Can afford to pay, don’t want to?

If you are already struggling to pay your day to day bills, paying debt is probably the last thing on your mind. It is important to pay debts if you can though. This will not only get JS Collections Ltd Debt Collectors off your back, but it will help ensure you maintain a good credit score. You should always make sure you will be able to take care of your essential bills, including your rent or mortgage. If you can’t pay in full, you should try and come to an arrangement with JS Collections Ltd Debt Collectors. You may be able to clear off the debt completely without paying in full, by offering them a partial payment.

What if debt collectors are ruining your life?

It is not particularly unusual for debt collectors to put some questionable tactics into play, that may or may not be against the law. Some of these tactics may include trying to pressure and bully you into paying up. It may even seem relatively subtle. They may just call you a high number of times throughout the day, or they may go a step further and discuss your debt with other people.

Being harassed by JS Collections Ltd Debt Collectors may end up having a devastating effect on your life. It could potentially lead to emotional distress, mental illness, and in the worst case scenario, even suicide. According to the debt support trust, as many as half of the people who struggle with debt, will at some point consider suicide. It was also recently reported that a coroner raised concerns about a debt-collection agency’s practices, as a consequence of the suicide of a debt-ridden courier. In their report which was related to mental health and the credit industry (Walker et al, 2012) researchers from Brighton University concluded: “Debt clients frequently feel humiliated, disconnected and entrapped, with the process of debt collection having a clear impact on people’s mental health”. They reached out the government and asked them to tackle the problem of irresponsible lending and intimidating collection tactics.

JS Collections Ltd Debt Collectors and what the law says

The Office for Fair Trading (OFT, 2012) has introduced a set of guidelines related to the debt collection business, and for debt collection companies to utilise. In summary, these rules state that JS Collections Ltd Debt Collectors should:

  • Ensure debtors are treated fairly and should refrain from using aggressive practices, coercion, deceit, or generally treating debtors in an unfair or disrespectful manner.
  • Be transparent with all information provided to the debtors, being clear at all times, and leaving no room for confusion.
  • Show consideration towards debtors who are experiencing difficulty
  • Act proportionately by taking the debtors’ circumstances into account when determining appropriate action to take.

If you feel that you are being intimidated by JS Collections Ltd Debt Collectors, and they are not abiding by the necessary guidelines, you would have a strong case for reporting them to the OFT. The OFT would have the the power to remove their license, if they deem this to be necessary.

Some debt collectors will even go as far as to say they are an external agency, when they are actually operating as a part of the business arm of the original creditor, that you owe the money to. This will be a clear case of deceit, and they are likely to say it is on the small print. However, they have an obligation to be honest with you, and this is a breach of the legislation, as stated above.

JS Collections Ltd Debt Collectors and how they operate

If you have a good understanding of how debt collection agencies operate, you will be in a better position to be able to defend yourself against them. These are some points worth noting about debt collectors.

They may get a bonus

The JS Collections Ltd Debt Collectors agents who keep trying to contact you, are probably highly incentivised and they will have targets to meet, with an expectation that they will collect a specified minimum amount of money per hour. They will probably have daily and monthly bonuses and each payment they make, will be likely to contribute to that bonus. This is why they will do what they can to get a payment from you, as the last thing they want is to record a “No Payment” call. They may try to harass, bully and even intimate you into paying, so they can achieve the bonus.

The point to remember here is that if you can stay strong and stand up to the threatening behaviour of JS Collections Ltd Debt Collectors, with the knowledge that the threats are usually empty, you may be able to turn the tables, to some extent. You can keep them talking on the phone, but don’t pay, unless you are definitely able to afford to do so. If you don’t pay, you will still owe the money, regardless of your situation.

They may install call technology

There is no doubt that there is the temptation to just simply not answer any calls you receive from JS Collections Ltd Debt Collectors, but this may be pointless, as they could have call technology in place.

With call technology, they may continue to call you as often as every half hour until you answer the phone. This tactic is more about intimidation than anything else. You may even find that the call is silent when you do answer it.

If they are using this tactic, it is worth keeping a note of the calls and when they take place. These tactics are a breach of the OFT guidelines, and as such, you have the right to make a formal complaint to the Financial Ombudsman. You can let the agent know that you plan to make a complaint.

Intimidating attitude

You may find that the debt collection agent will use the bad cop, good cop tactic, and this can prove to be quite effective. With this approach it is likely that you will receive a high number of calls, which may be relentless. Some of these can prove to be quite abusive and harassing, but they may throw in the occasional friendly call to throw you off guard. This sudden switch in attitude can happen in just one single phone call, and this involves the agent beginning the call politely but they soon change when they realise you can’t afford to pay the money back. It may not even be the relentless phone calls, there may be threatening behaviour, such as saying they will come to your home or take you to court. The total process is designed to try and wear you down, so that you make payment, regardless of whether you can really afford it or not.

Discussing your debt with other people

If you don’t answer the phone, but someone else does, the agents may attempt to embarrass you by talking about your debt with others and discussing your financial problems with whoever picks up the phone. It may be a family member, or even just a colleague, they will speak to anyone about the debt, to try and get you to pay up. Of course, discussing your debt with others is illegal behaviour and would be a breaches of both the OFT guidelines, and other privacy laws.

This kind of behaviour should always be reported to the Financial Ombudsman on 0800 023 4567 or 0300 123 9123

The lies they tell

If nothing else works, some debt collectors may believe they don’t need to follow the law and therefore, they may use some nasty tactics to try and get you to pay up. They might say that they are calling from the court, or they may even go as far as to say they are a bailiff and will plan to visit your home to take away your possessions, they may even threaten you with criminal prosecution.

You should not give them permission to visit you at your home, and if they insist on coming to your home, you should not let them in. If you feel that they are physically threatening you, do not hesitate to call the police.

Don’t let them get you down

It is widely recognised that debt collectors such as JS Collections Ltd Debt Collectors can be relentless in their pursuit for payment, and their behaviour may even be responsible for poor mental health, and in the worst case, even suicide. It is by no means easy to stand up for yourself against JS Collections Ltd Debt Collectors, as you need to have a high degree of strength and courage, which not many people have. If you are struggling with debt though, there is help available to you. Of course, it is imperative that you get yourself out of debt, but you should be able to do this in a controlled manner, that will reduce your pain and distress. Regardless of your debt problems, there is help out there.

Debt help when you need it

There is a range of different types of help available if you want to get out of debt.You can use the free services offered by not-for-profit agencies who will even be able to provide you with one-to-one help and support. There are also commercial debt management companies, but these will charge you for the service. It would make sense to look at the organisations who offer a free service first, before you consider the paid option. These are some of the companies to consider:

  • Citizens Advice Bureau (CAB) – a popular organisation for providing extensive help and support with debt issues, as well as many other day to day problems. They will be able to help you stop debt collectors from contacting you, but you will need to show that you are getting help with paying back your debt.
  • Christians Against Poverty (CAP) – provide free debt help and support, guiding you through the process of getting out of debt.
  • StepChange provides free online debt advice and help people take charge of their finances.

You can write off your debt

You will be able to write off your debt by entering into an Individual Voluntary Arrangement (IVA). This is a formal agreement you reach where you pay the debt collectors a specific amount you can afford, either as a one-off sum or as monthly payments. The remaining debt will be written off after a specific period, which is usually five years. The IVA process must be carried out by an insolvency practitioner. You should carefully consider this before you sign up, as it can prevent you from obtaining credit for some time after.

An alternative option is a Debt Relief Order (DRO). You would only be able to access this if you are left with £50 or less each month, after you have taken care of your household expenses. You cannot own your own home or have assets worth over £1,000.

To conclude

Regardless of the warnings debt collectors have received from professional bodies, and the government guidelines, which have been put in place, the behaviour of many debt collecting agencies has led to huge suffering for many people who are facing financial difficulties, including depression and even suicidal thought. Regardless of the situation you find yourself in, it is possible to fight back, especially if you get some help from the organisations we have mentioned in this article. You will not be able to just refuse to pay the debt, but you will be able to reduce the amount you are required to repay and even spread the repayments over a specific period you are happy with. It is entirely possible to stop their bullying by reporting them to the Financial Ombudsman. There is every chance that they may even lose their licence.

FAQs

What if you just ignore debt collectors?

It may be tempting to just ignore JS Collections Ltd, but if you do, they will probably send doorstep collectors to your home. They may also apply for a CCJ, which may show up on your credit report.

Will JS Collections Ltd be able to take you to court?

JS Collections Ltd will be able to take you to court if you owe money and you don’t pay it back. However, you can avoid this by coming to an arrangement with them to pay it back.

Will you be sent to jail for debt collections?

JS Collections Ltd will not be able to send you to jail for debt you owe.

What happens if I ignore a CCJ?

If you decide to just ignore the CCJ, you may end up with bailiffs at your door, who will want to take goods to pay the equivalent debt you owe.

Can JS Collections Ltd issue you with a warrant?

JS Collections Ltd will not be able to issue a warrant. However, they may get a CCJ issued to you, and this may result in bailiffs at your door.

Are JS Collections Ltd bailiffs?

JS Collections Ltd are not bailiffs, but they can get a CCJ against you, which could result in bailiffs being sent to your door.

Are JS Collections Ltd able to come to your house?

JS Collections Ltd may come to your door, but you can send them away. They do not have any power to force entry into your home. The only people who can do this are bailiffs.

Will JS Collections Ltd be able to force entry?

JS Collections Ltd do not have legal powers to force entry into your home. If you receive a CCJ, you may end up with bailiffs at your door though, and they may end up forcing entry.

Will JS Collections Ltd ever give up?

It is unlikely that JS Collections Ltd will give up chasing the debt, so it is better to just speak to them about the debt.

Is there an expiry on debt?

There is a maximum of 6 years to chase debt, they cannot keep chasing after this, unless you have a CCJ issues.

How long will you be chased for debt?

Under the Limitation Act 1980 they have a maximum of 6 years to chase the debt. This is from the last payment or the last contact you had about the debt.

Are debts ever written off?

As per the Limitation action 1980, you can be legally chased for up to 6 years from your last payment or the last time that you acknowledged the debt. If a County Court Judgment is raised against you the Limitation Act no longer applies and you can be chased indefinitely.

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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