You might not have to pay Lester Aldridge Debt Collectors!

Are Lester Aldridge Debt Collectors on your case about an outstanding debt? Does it feel like they just won’t let up? Are they even threatening to take you to court? If any of these sound familiar, then you might not need to pay them back!

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.

Deal with your debt today and feel better tomorrow.

Lester Aldridge Debt Collection

Who are Lester Aldridge Debt Collection?

Lester Aldridge specialises in debt recovery services, and has a highly skilled team available. The company is registered in the UK and was founded in 1796. They are now the largest collection firm in Dorset.

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:

Find your best debt solution

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

What is the total amount of your debt?

Read what to do if you can’t pay back your debt.

I’ve never heard of Lester Aldridge Debt Collection!

You receive a call or letter from Lester Aldridge Debt Collection informing you that you owe them money and you must pay it immediately, but you have never even heard of them before!

This is common, as Lester Aldridge Debt Collection are chasing the money on behalf of another organisation, so while you do owe them the money if they have bought it from the original credit company, you may not be at all familiar with them.

Independent debt collection agencies buy debt from other companies, so you may have taken out a loan with a bank in the past, for instance, and now you find Lester Aldridge Debt Collection on your case about it.

Find your best debt solution

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.

Is this your debt?

You should not just accept that you owe this debt, especially if you don’t recognise it. Debt collectors usually just send letters out to borrowers with the amount of what they need to pay, and demand they make the payment, without any other details. If you are confused about where this debt originated, you can write to Lester Aldridge Debt Collection and ask for a copy of the original agreement with the credit company. You do not need to pay this, if they are unable to provide any proof.

See my most popular post for the guide on how to get a refund

Full Refund

Can pay – don’t want to!

No one wants to pay off debt, especially when there are enough bills etc to pay these days! But if you owe the debt, you unfortunately have a legal obligation to pay it back. If you are struggling to pay Lester Aldridge Debt Collection, you can offer them a temporary repayment plan.

Debt collectors tactics – are they making you miserable?

It is not unusual for debt collectors to use tactics which can feel both threatening and upsetting – and even abusive at times. They may be phoning you continuously throughout the day, to the point where you are afraid to lift the phone! This is not right, and they cannot do this, the law is there to protect you.

It can prove almost impossible to get the debt collectors called off. Victims say they have suffered sleepless nights and been afraid to open their doors in case bailiffs turn up.

Debt can make you miserable and if Lester Aldridge Debt Collection are making you feel low and depressed, there is legislation designed to give you the power to fight back!

Lester Aldridge Debt Collection and what the law says

With legislation published by The Office for Fair Trading (OFT, 2012) there are specific guidelines that debt collection companies such as Lester Aldridge Debt Collection must adhere to, these include:

  • Treating debtors fairly, and not being aggressive or abusive.
  • Providing transparent and clear information.
  • Consideration towards the debtors and their circumstances.
  • Take the debtors circumstances into account when making arrangements for payments.

If Lester Aldridge Debt Collection are failing to comply, you can contact the OFT who may remove their license.

Complaints about the tactics used by debt collection agencies and bailiffs themselves soared 77 per cent from 864 to 1,529.

If you wish to make a complaint about Lester Aldridge Debt Collection, you can use this online complaint form.

Why are Lester Aldridge Debt Collection contacting me so much?

If Lester Aldridge Debt Collection are contacting you consistently, every day, you are probably wondering what the deal is! Why are they so eager to get hold of you? This might explain it a bit better.

They only make money when you pay

And they lose money when you don’t. Lester Aldridge Debt Collection agents buy the debt from other companies, so if you don’t pay, they lose that money – never mind making any profit. This is why they are so eager to get in touch with you.

Despite this, you should not let them railroad you into making payments you can’t afford, and it is highly likely that they will try. Set up a payment plan by all means, but make sure it is affordable.

They may get bonuses

The agents at Lester Aldridge Debt Collection are also keen to reach you, as they may get bonuses if they reach targets. The targets are based on getting payments, so this is why you may find them trying to contact you so much.

If the frequency of the contact is driving you over the edge, you can report them to the Financial Ombudsman.

The Financial Ombudsman is contactable by phone on 0800 023 4567 or 0300 123 9123

Dealing with your debt

It is advisable to make payments, if you can afford them, as this will not only get the debt paid off, but it will get the debt collection company off your back!

If you can’t pay the full debt, you can enter into a repayment plan, where you make regular monthly or weekly payments until the debt is fully paid off.

If the behaviour of debt collection agents is getting to you, you can report it to the OFT using this online complaint form.

Demanding payments

Debt collection companies cannot demand payment from you. If you can’t afford to pay the debt, you will need to come to an arrangement, and they should accept this. You may be able to defer the payments until you are in a better financial situation. If they demand payment when you cannot afford it, this could be illegal.

This behaviour may be reported to the Financial Ombudsman on 0800 023 4567 or 0300 123 9123

Sending the bailiffs

Debt collection companies sometimes even threaten to send in the bailiffs to recover the debt, but this is not something they can legally do. If they are threatening you, you can contact the police and discuss the situation with them. They will determine the necessary action to take.

Don’t stress

It is easy to say, but you should never let debt collectors such as Lester Aldridge Debt Collection stress you out to the point were you are feeling low. Do not take the contact from them personally, they are just doing a job, and there are always solutions to taking care of your debt.

How to get out of debt

There are many ways to deal with your debt and lots of help available. There are commercial debt management companies, as well as not-for-profit. The not-for-profit include:

Entering into an IVA

In worst case scenarios, you may want to enter into an Individual Voluntary Arrangement (IVA), which will allow you to pay off some debt, but right off a good chunk of it. This is most suited to those with high amounts of debt they are struggling to pay back.

Find a local licenced IVA insolvency practitioner here.

Protection from debt companies

Thankfully, the government have taken more of a stand on debt collection companies, so they can no longer do the things they were to exploit debtors. If you are being hassled or harassed by debt collection companies, you can get help and they may lose their licence.


CONC 7.3 Treatment of customers in default or arrears (including repossessions): lenders, owners and debt collectors

CONC 7.9 Contact with customers

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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