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LCS Civil Enforcement Debt Collection – Do I Have to 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.

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&
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 6th, 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.

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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 puzzled by a letter from LCS Civil Enforcement Debt Collection? Don’t fret; you’re at the right spot for answers. Each month, over 170,000 people come to our website for help with debt matters just like this one, so you’re not alone.

In this piece, we’ll explain:

  • How to find out if the debt LCS claims you owe is really yours.
  • If you can challenge LCS or simply disregard them.
  • Ways to prevent LCS from bothering you too much.
  • Your choices to sort out payment methods or even clear your debt.

We understand how worrying it can be when debt collectors like LCS Civil Enforcement are after you, as some of us have been there too. We’re here to help you understand your options and rights when dealing with LCS Civil Enforcement Debt Collection.

Let’s take this journey together to discover what you can do next.

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.

I got a Letter or Call from LCS Civil Enforcement. What can I do next?

As mentioned earlier, a call or letter from the LCS Civil Enforcement Debt Collection agency can only mean that you have an outstanding debt. Don’t Panic! We will explore a couple of steps that you can take.

Do you owe the debt?

The first thing to do is to check and ensure the debt mentioned in LCS Civil Enforcement’s letter is owed by you. Check with a credit agency to see if there are any outstanding debts in your name to be sure the debt is yours.

Debts are frequently shifted from one debt collector to another, and because of this, you may likely be allocated a debt that is not yours. In actuality, the “mis-assignment” of debts by LCS Civil Enforcement is the leading cause of complaints.

The following corporate review serves as an illustration:

 trustpilot.com

By determining whether you owe a debt, you can take advantage of the chance to see if other sizable debt collectors have taken care of any transferred debt. Keep an eye out for correspondence from debt collecting on your bank accounts, emails, and letters. Here are a few large businesses to watch out for: PRA Group, Cabot Financial, and Lowell Financial.

If you find the debt yours, get them to prove it with a ‘Prove the Debt’ letter. If they cannot prove it’s yours, they have no choice but to mark it as settled.

You may pay if you can afford it.

If, indeed, the debt is yours, you may pay it. If you can afford it, it is advisable you pay up and move on; the quicker you pay, the faster the calls and letters will stop.

I can’t afford it; what can I do?

If you can’t afford to pay off the debt, there are a couple of options that you may choose to consider:

Agree to a Payment Plan

You’ll need to discuss this with LCS Civil Enforcement and possibly come up with a payment plan and time-frame. The payment plan needs to be realistic. It should also enable you to pay off the debt over a reasonable period.

Take a look at Debt Relief Options.

There are a few more ways to deal with your debt if you do not have the money to pay it off. These include a debt management plan, a debt consolidation plan, declaring bankruptcy, writing your debt off if eligible, and a debt arrangement scheme.

You can reduce the monthly repayment amount by settling for one of these options. We can help guide you in making a decision.

What are my Rights when dealing with LCS Civil Enforcement Debt Collection Agents?

You might worry more than usual if you have to deal with a civil enforcement debt collection. As already stated, they are constrained and are only allowed to operate under a set of rules established by the Financial Conduct Authority.

Because of this, you must be aware of your rights, what they can and cannot do, and what you can and cannot stop them from doing before they come.

● LCS Civil Enforcement Debt Collection Agents are not permitted to threaten unlikely legal action.

● They cannot trick you by sending letters that appear to be court documents or by claiming to have legal authority that they do not ( for example, sending agents around without a court order).

● When your debt is managed through an Individual Voluntary Arrangement(IVA), they cannot harass you for payment.

Since they are CSA members, they are automatically bound by the CSA’s code of conduct, which forbids them from:

● Calling you without authorization at odd hours or while you are at work.

● Revealing debt-related information to a third party.

● Putting pressure on you to pay your debt or attempting to con you into paying.

● Refusing to give you adequate time to think, once you’ve gotten counsel from a debt advisory firm.

● Demand payment when a debt is statute-barred or when the time restriction has passed and it is “too old”.

» TAKE ACTION NOW: Fill out the short debt form

What Rights do LCS Civil Enforcement Debt Collectors Have?

It is evident from a broad timeline of this process that there are differences between a debt-collecting agency and a law enforcement unit. Typically because the debt has been disregarded or not appropriately handled, law enforcement teams like LCS Civil Enforcement will only enter the process at the very end to collect the amount following court orders.

This suggests that the rights granted to a civil enforcement team and a debt collection firm are somewhat different. But keep in mind that they are still subject to some limitations. Some of their rights are as follows:

● LCS Civil Enforcement Debt Collection professionals can enter your property with a court order or writ of possession and use force if necessary without being aggressive. Most of the time, if the front door is left open, they stay in the entrance to allow for trouble-free progressive admission.

They can remove your possessions with the same court order. The profits from the auction sale of these items will be used to settle the debt. However, some possessions, such as vehicles registered in other people’s names or on financing plans, consumables, and your work equipment (that’s used to earn a living), such as a computer, cannot be taken from you.

● Sadly, civil enforcement officers have the authority to reclaim your house. However, since they have other ways to recover the money, the debt will have to be extremely significant before they can settle for repossession of your house.

Before enforcement agents show up, it’s crucial that you do your homework and understand how far they can go to collect the debt.

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

How can I stop LCS Civil Enforcement from contacting me?

You cannot stop LCS Civil Enforcement from contacting you. However, their contact with you may be reduced by making a complaint to them. You can make a complaint to them via the following channels:

LCS Civil Enforcement Contact Information

You can contact LCS Civil Enforcement about your debt, arrange a direct debit, or discuss further actions regarding your debt.

LCS Civil Enforcement Address First Floor West Wing Town Centre House, The Merrion Centre Woodhouse Lane, Leeds LS2 8LY
LCS Civil Enforcement Contact number 03445439001
LCS Civil Enforcement Opening hours Monday to Friday(8am-8pm) and Saturday (9am-1pm)
LCS Civil Enforcement Email [email protected]
LCS Civil Enforcement website https://www.lcsdr.com/
LCS Civil Enforcement chat Live chat service

If the initial outcome of your complaints to them doesn’t yield any satisfactory results, you can refer your complaint to The Financial Ombudsman Service.

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.

FAQs

Does debt owed to LCS Civil Enforcement affect credit score?
Yes. Your credit score may be negatively impacted by late payments and outstanding bills to LCS Civil Enforcement, limiting your ability to get new credit.
Are LCS Bailiffs?
LCS Civil Enforcement may send debt collectors to your home, but they are not bailiffs and are not permitted to represent themselves as such. A court must issue a judgement against you before LCS Civil Enforcement can assert a claim to your house or other property.
Does LCS collect for HMRC?
Yes. For the benefit of HMRC, LCS Civil Enforcement collects overpaid tax credits and unpaid taxes.
Can LCS Civil Enforcement take me to court?
You may be sued if you owe money to LCS Civil Enforcement and do not pay. If they successfully sue, the court will issue a judgement against you, ordering you to repay the amount. However, creditors cannot seize your assets if they are secured. Get guidance on this here.
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.