LCMS Debt Collection in Ireland: How to Respond

Received a letter from LCMS Limited? LCMS is an Irish company providing credit control and overdue-account collection. First check the creditor, account, balance and the country whose law and courts apply; UK debt advice cannot automatically be applied to an Irish account.

In this guide, we’ll:

• Explain who LCMS Limited are.
• Discuss if LCMS Limited can visit your home.
• Talk about how LCMS Limited collects debts and arrears.
• Review the LCMS debt letter.
• Explore options such as writing off some LCMS Limited debt.

Sometimes, a debt letter can come as a surprise, leaving you confused and worried. You might be asking, “Why do I owe this money?” or “What happens if I can’t pay?” These questions are common, and we’re here to help answer them.

Let’s get started.

The debt letter

An ordinary demand is not automatically a formal pre-court notice. LCMS offers collection and solicitor-referral services. Check the type of letter, the creditor it represents and any response deadline.

A warning of litigation does not prove the account is correct, but it should be checked promptly. Do not assume it is merely intended to frighten you.

Ask them to prove it

If you dispute the account or need information, explain the concern and request relevant evidence. This can help you:

1. Understand the creditor’s claim and the balance requested
2. Identify a mistaken identity or payment-allocation error
3. Assess whether there is a genuine defence or a need for an affordable arrangement

Ask for an itemised account and the contract, invoices or other evidence on which the creditor relies. Every debt does not require a wet-ink signed agreement. A generic proof request does not cancel liability or extend a court deadline.

It’s important to keep a copy of your prove-the-debt letter. You can show this to a judge if you’re later taken to court for not paying. 

They sent you evidence – what now?

Assess the evidence and raise any remaining dispute. If the debt is due, discuss an affordable payment or obtain independent advice; the response to an information request does not reliably predict whether litigation will follow.

Remember that payment plans are usually available for people who cannot afford the full amount at once. Or you may want to consider making a debt settlement offer! 

» TAKE ACTION NOW: Fill out the short debt form

Do you have to pay?

A demand alone does not establish liability. Check that the account belongs to you, the amount is correct and LCMS is authorised by the creditor. Verify contact and payment details independently.

Limitation and enforcement rules depend on the debt and applicable jurisdiction. Do not rely on an England-and-Wales six-year checklist for an Irish or cross-border account; ask an appropriately qualified adviser to check the dates and any existing judgment.

Should you ignore them?

Because there’s a chance of litigation and further expense, you shouldn’t ignore LCMS Limited or any other debt collection agency. Despite what you may read online, not everyone ignores debt collection groups and gets away with it. 

Can they really take you to court?

LCMS Limited might advise their client to take legal action to recover the debt when you have been unwilling to pay. They are allowed to do this, and if the claimant wins in court, a judge will issue an order that states you should pay. This could cause you further expense. 

If an Irish judgment remains unpaid, the creditor may use the enforcement methods available under Irish law, including the sheriff’s office where appropriate. English bailiff fees, notices and CCJ procedures do not automatically apply.

Take the first step towards tackling your debt

Every day, our partner, The Debt Advice Service, helps people understand their options for dealing with debt. Their debt advice is free, with no obligation to proceed.

MoneyNerd introduces you to The Debt Advice Service. We do not provide debt advice or recommend debt solutions.

Natasha

Very helpful and informative thank you

Get started

If you submit the enquiry form, MoneyNerd will share your details with The Debt Advice Service so they can contact you.

Some debt solutions have fees and may negatively affect your credit rating. MoneyNerd may receive a fee if you go ahead with a debt solution through The Debt Advice Service.

The Debt Advice Service is a trading style of Pacific Financial Solutions Limited.

For free, impartial help and access to not-for-profit debt advice, visit MoneyHelper.

Can they come to your home?

LCMS’s ordinary collection agents are not court enforcement officers and do not gain seizure powers by requesting payment. Its official service description includes agent site calls where applicable, so do not assume a visit is impossible. Ask anyone attending to identify their role and authority.

A collector must not misrepresent court powers. If an authorised sheriff or other enforcement officer is involved, obtain advice about the specific order and local law rather than treating the visit as ordinary collection.

Other Debt Collectors to look for on your Credit Report

There are hundreds of debt collectors in the UK and they each collect for different companies.

It’s surprisingly easy to not notice that you’re in a debt collector’s crosshairs.

I’d suggest you spend time checking your credit report. A sold debt may appear under a new creditor name on your credit report, but not every debt or collector is reported to every credit reference agency.

Some of the biggest to look out for include Cabot, PRA Group, and Lowell.

So if you see anything relating to their names, then you’ll need to investigate further.

LCMS Limited Contact Information

Use our debt info hub for more help

For an Irish account, seek advice appropriate to Ireland, such as the Money Advice and Budgeting Service (MABS) or a solicitor. If you live elsewhere, explain the cross-border circumstances to your adviser. Court documents must be answered using the procedure and deadline that apply to that court.