Legal Recovery and Collections – Should You Pay? 2022
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Need help fighting back against Legal Recovery and Collections? We provide clear answers to some of the most asked questions about this company. And we answer the big one – do you have to pay Legal Recovery and Collections? Uncover key details to push back, right here.
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What is Legal Recovery and Collections?
Legal Recovery and Collections is essentially a debt collection agency working in the UK. They’re a member of the Credit Services Association with a head office based in Nottingham.
They claim to provide a breadth of services to help businesses recover debts. However, they really only offer pre-legal debt recovery services.
Yet, they can advise or connect clients with (High Court) enforcement officers if the client wants to pursue the debt further. They are not a bailiff company themselves.
Are debt collections legal in the UK?
Debt collection companies and services to recover unpaid arrears are entirely legal in the UK. However, they must abide by tight regulations preventing them from harassing you for payment. And they cannot make claims that aren’t true, such as having a right to come to your home when they can’t.
Legal Recovery and Collections Ltd reviews
Legal Recovery and Collections has some decent online reviews. But we also spotted some unhappy clients and one quite shocking story from a supposed debtor. Take a read below:
“Hired this company to chase my CCJ debts, all they did was take up financial costs for doing nothing. Never collected and monies in but charged us 920.00p for doing nothing. Avoid this company.”
- Neal S (Google review)
“I have been paying a debt that’s not even mine and every time I try and get hold of this so-called company I get told that someone will ring you back, I have been waiting 4 years for someone to ring me back, 8 years they have been taking money out of my account […]”
- Andrew D (Google review)
Andrew should not be paying this debt and there are things he could do. Read on to avoid this type of situation.
Who do Legal Recovery and Collections work for?
According to the Legal Recovery and Collections website, they work for clients to collect:
- Utility debts
- Student debts
- Commercial debts
- Consumer debts
- Healthcare debts
However, they may help businesses in other industries and sectors as well.
Have you received a Legal Recovery and Collections debt letter?
When Legal Recovery and Collections are chasing people for money, they could make contact in different ways. Often they will use a combination of methods, typically to try and wear you down so you give up and agree to pay.
But one of the most productive methods of communication for Legal Recovery and Collections is in writing. They can send you a Letter Before Action to ask for a payment and simultaneously threaten legal action.
They might also offer an opportunity to speak with them about a personalised payment plan if the full amount is too much for you to pay at once.
Can you ignore a Legal Recovery and Collections debt letter?
You shouldn’t ignore a Legal Recovery and Collections debt letter. Even if you think Legal Recovery and Collections has got the wrong person or know you can’t pay what they’re asking for, ignoring the letter is still a mistake.
Can debt collection agencies take you to court (UK)?
Debt collection agencies only take you to court if they have purchased the debt and the money is owed to them. Otherwise, they can advise their client to take you to court. If the debt collection agency also has a team of solicitors, they may represent the client when taking legal action.
But in summary, you can be taken to court over a debt which could result in a judge making you legally responsible to pay. If you still don’t pay after losing in court, debt enforcement services can be used, which are not limited to bailiffs.
Should you pay Legal Recovery and Collections Ltd?
You could end up having to pay Legal Recovery and Collections to prevent the possibility of legal action and further expense. But you don’t have to pay Legal Recovery and Collections instantly after they send a Letter Before Action.
Instead, you should…
Ask Legal Recovery and Collections to prove you owe the debt!
You should only pay a debt – without being subject to a court order – if the company chasing you can prove you owe the debt. This is why you should not ignore the Legal Recovery and Collections debt letter and reply by asking them to prove you’re the one who owes the money.
You can do this even when you know you owe the debt already, as it could:
- Give you some extra time and breathing space
- Stop you from having to pay if they can’t prove the debt
MoneyNerd has made requesting this type of proof easy. Check out our prove the debt template to get it right and save time!
Feeling like Chandler?
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What if Legal Recovery and Collections prove my debt?
It’s probably time to pay if Legal Recovery and Collections reply to your request for proof with adequate evidence that it’s you who owes the money. Ignoring them at this later stage may result in legal proceedings.
You might be able to agree on a repayment plan if the full amount is too expensive to pay in one lump sum. See our debt info hub for support on negotiating payment plans.
How many years before a debt cannot be collected (UK)?
Many types of debt – not all debts – cannot be enforced after five years in Scotland or six years in England and Wales. This would prevent you from having to pay because no judge can ever order you to do so. But the debt may still exist and harm your credit file.
You should check if your debt is too old for Legal Recovery and Collections to pursue before asking them to prove the debt. This could stop you from having to open your wallet to Legal Recovery and Collections at all!