Why you may not need to pay Lucas Credit Services Debt Collectors!
Are you being harassed and bullied by Lucas Credit Services Ltd Debt Collectors? Are you unable to pay back the debt you owe? Do you not even owe the debt? Are you told they will take court action against you? If these questions 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.
Who are Lucas Credit Services Ltd Debt Collectors?
Lucas Credit Services is registered in the UK and a member of the Credit Services Association. The company offers a variety of services including debt collecting on behalf of clients throughout the UK. Lucas collect for companies like Provident, Lowell and BT.
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:
Why are Lucas Credit Services Ltd Debt Collectors contacting you?
Debt is rife, and as such, the debt collection business is massive. You can find debt collectors like Lucas Credit Services Ltd Debt Collectors in several different forms.
There are lots of debt collection agencies who operate like independent businesses; and there are others who may act as a business arm of a creditor (the original company you owe the money to, such as a credit card company or bank.) Believe it or not,there are even individual sole trader debt collectors.
These debt collectors generally all have the same business model, which involves purchasing the debt at a fraction of the face value, sometimes for as little as 20% of the face value, and they make a profit from collecting the debt at (or close to) its full value. There are not many morals involved in this process. They just have the opinion that as you ran up the debt ,you are responsible for repaying it. They do not want to hear about your tough life or personal circumstances. Simply put, they are not very nice people. The Office for Fair Trading (OFT, 2010) acknowledged that such poor practices “appear to be widespread”.
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.
Find out if the debt is yours
Are you 100% sure of this debt and whether or not it is yours? If not, the first thing to do is to get more information on where the debt originated and how much you actually owe. It is very likely that the original debt, has accumulated some interest and other charges, so you may not even recognise the value of it. It is probably higher than you thought.
The best thing to do is to write to Lucas Credit Services Ltd Debt Collectors and request that they send you a copy of your original credit agreement. If they advise that they cannot provide this for you, you do not have any obligation to pa them back. In some cases, you might be entitled to receive a refund.
See my most popular post for the guide on how to get a refund.
Can pay but won’t pay?
If you really do owe the money, then the road of least resistance is to repay the debt if you are able to do so, but if you can’t afford to repay it, or if doing so would prevent you from servicing more important credit such as your rent or mortgage, then try to make some arrangement with Lucas Credit Services Ltd Debt Collectors, perhaps offer them a temporary repayment plan.
How debt collectors can affect your life
It is common for debt collectors to use questionable tactics to try to get payments from you, and some of these go against the guidelines. These tactics may include trying to pressure you into making payments you can’t afford and potentially also bullying threats, or frequent phone calls which may even be made to your workplace.
It is true that contact from Lucas Credit Services Ltd Debt Collectors could be extremely damaging to your quality of life, and could lead you to face emotional distress, mental illness, and you may even consider suicide, in the worst case scenario. It was reported by the debt support trust, that as many as half of people who have debt issues, will at some even consider suicide. It was also recently reported that a coroner raised concerns about the practices of debt collectors, as a result of the suicide of a debt-ridden courier. The report looked into 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”. The government were brought in to start dealing with this horrific problem, which was getting out of hand.
Lucas Credit Services Ltd Debt Collectors and what the law states
The Office for Fair Trading (OFT, 2012) has put out a set of guidelines which is related to the debt collection business. The summary of these state that Lucas Credit Services Ltd Debt Collectors should:
- Always treat debtors in a fair way, without using any aggressive practices, or anything which could be deemed as unfair.
- Ensure transparency and provide borrowers with clear information that should never be confusing or misleading.
- Be considerate towards debtors who may be dealing with a difficult situation.
- Take debtors circumstances into account when determining the best action to take.
If you feel that Lucas Credit Services Ltd Debt Collectors are intimidating you, or are generally just not abiding by these guidelines, you would be in a position to report them to the OFT, and they have the power to be able to remove their license.
To make a complaint about Lucas Credit Services Ltd Debt Collectors, you can use this online complaint form.
There are actually debt collectors out there who say they are operating as an external agency when they are in fact, a business arm of the original creditor you owe money to. As this is deceit, it goes against the guidelines, and therefore, they can be reported.
How do Lucas Credit Services Ltd Debt Collectors operate
If you have a clear understanding of how debt collection agencies operate, you will be able to deal with them much more appropriately. These are some things worth nothing about debt collectors.
They receive a bonus
The Lucas Credit Services Ltd Debt Collectors agents who call you up continuously, will probably be highly incentivised and as such, they are expected to take in a specific amount of money each and every hour. In most cases, there are bonuses depending on the money collected, and these contribute to the bonus. With a potential bonus constantly in mind, it is no wonder that they will do anything in their power to get that cash!
The lesson to learn here is that if you can be strong and stand up to the threats from Lucas Credit Services Ltd Debt Collectors, with the knowledge that the threats are just empty, you may be able to deal with them better. Make sure you don’t pay if you can’t realistically afford to, otherwise you might find that you are unable to deal with your important day to day bills.
They may be using automated technology
Although it can be tempting just to ignore the calls you receive from Lucas Credit Services Ltd Debt Collectors (who could blame you!), this can be impossible to do, unless you want to avoid your phone 24 hours of the day. The reason it may prove to be unavoidable is that agencies quite often use automated call technology to keep phoning you until you eventually pick up the call. You may even find that the phone is silent when you do pick up, this is designed to try and intimate you.
If they do this, you should make a note of how often they call you. This information can be used if you need to report them for breaching the OFT guidelines. You may wish to advise the agent you speak to that you will be contacting the Financial Ombudsman.
You can reach the Financial Ombudsman by phone on 0800 023 4567 or 0300 123 9123
Bad cop, good cop
Bad cop, good cop is a tactic frequently employed, and often is highly effective. When subject to such an approach you are likely to be subject to relentless calls some of which are abusive and harassing, but with the occasional polite and friendly enquiry. This change in attitude can happen in a single phone call where the agent starts off politely but should you fail to make a payment their behaviour becomes abusive. Nor is it just relentless phone calls. Frequent threatening and sometimes sinister letters are another common practice. The total process is designed to eventually wear you down, to break your will so that eventually you will make a payment.
It is difficult to stand up to such behaviour, which is exactly why they use it. But again, you should try to stay strong if you possibly can. Report it to the OFT using this online complaint form.
Is it acceptable to talk to a third party about your debt?
If someone phones you and you don’t answer, the agent may just decide to speak to whoever else answers. This is an attempt on the agents part to embarrass you by discussing your debt and financial problems with. The hope is that you feel so embarrassed that you call back and make the payment. They may speak to a family member at your home, or they may even discuss it with a colleague at your workplace. Behaviour like this is illegal and it is a breach of both the OFT guidelines, and other privacy laws.
This kind of behaviour should be reported to the Financial Ombudsman on 0800 023 4567 or 0300 123 9123
Would they lie to you?
In a desperate need to get payment from you, debt collectors will try anything in their power to get you to pay up, even if it means breaking the law. The tactics they use may even include pretending to call from the court, saying they are bailiff and that they plan to visit your home to remove your goods, and they may even threaten you with criminal prosecution.
You should never give them permission to visit you, no matter what they say or do, and if they do decide to turn up to your home, you should never let them in. If you feel threatened in your own home, you should make sure the police are alert to this.
Staying strong against debt collectors
It is quite apparent that debt collectors such as Lucas Credit Services Ltd Debt Collectors can often be relentless, and the behaviour of them, may even be responsible for mental health issues, and in the worst case, even suicide. It is obviously not that easy to stand up to Lucas Credit Services Ltd Debt Collectors at time. It requires a high degree of strength and courage that only few will possess. You should know that there is help out there, no matter how dire your situation may feel. Of course, you need to get out of debt, but you should aim to do this in a controlled manner and in any way which will minimise the stress you experience as a result.
Do you need help with your debt?
If you are struggling with your debt problems, thankfully, there is lot of help with available. There is the choice of not-for-profit agencies who will be able to provide you with one-to-one help in sorting out your debt problems, and there are also commercial debt management companies who will try to make money out of you. You should try the free option, before you look at any commercial support. Some of the agencies you may want to try include:
- Citizens Advice Bureau (CAB) – provide help and advice on dealing with debt, and will be able to advise you on how to stop debt collectors contacting you, if you can show them that you are seeking help and are at least making an attempt to repay your debts.
- Christians Against Poverty (CAP) provide free debt help.
- StepChange provides free online debt advice helping people take charge of their debt.
How to write off your debt
Many people don’t realise this, but you can actually write off your debt through an Individual Voluntary Arrangement (IVA). As a formal agreement, you would pay the debt collectors a specific amount you can afford, either as a one-off sum or via a repayment plan and in monthly payments. The rest of the debt would then be written off after a defined period, which is usually five years. The IVA process must always be carried out by an insolvency practitioner.
I’ve put together a 4 question debt calculator so you can quickly and easily find the best solution for you. If you’re eligible for the new government scheme, you could write off up to 85% of your debt! Answer the four questions now.
Although there has been warnings from professional bodies, government guidelines, and other measures, the behaviour of some debt collecting agencies has led to major stress for some individuals. You don’t need to just take it though, you can fight back against their detrimental behaviour, especially by getting some help from the agencies spoken about in this article. You cannot just refuse to pay your debt, but you may be able to reduce the amount you need to repay and spread your repayments over a specific period that suits your circumstances. It is entirely possible to stop their bullying and by reporting them to the Financial Ombudsman they may even lose their licence.
Lucas Credit Services Contact Details:
Company Name: Lucas Credit Services Ltd
Other Names: Lucas Services
2A 606 Business Park
Contact Number: 01274 957060
Numbers they call from:
Lucas Credit is part of Lucas Credit Services Ltd. which also trades as Lucas Legal Services, Lucas Services, LCSL and LCL. Metis Bidco Limited took significant control of Lucas Credit Services Ltd. on 17th December 2019.
Lucas Credit Services Ltd. is regulated by the Financial Conduct Authority under the name Roger William Lucas in Bradford, West Yorkshire. The registration number is 691793.
As of 2020, Lucas Credit is not one of the 11 debt collection agencies that HMRC are using to collect debts according to the list on the HMRC website.
Lucas Credit buys debts from orther organisations. They can buy these debts cheaply once the organisations have decided it is no longer cost effect for them to continue attempting to collect the money that they are owed. Lucas Credit will then try to recover the full amount of the debt to make a profit.
If you ignore debt collectors at first they may send doorstep collectors. Secondly, they may apply for a County Court Judgement, which if successful would force you to pay and would show on your credit report.
Lucas Credit can take you to court in order to claim the money owed. If you have been taken to court you will have received a County Court Judgement letter.
You cannot go to jail for debts owed to debt collection agencies.
If you ignore a CCJ you won’t get sent to prison, however, bailiffs may be sent to your house to collect items equal to the value of the money that owe.
Lucas Credit cannot issue an arrest warrant or have you sent to prison. At most they can request a CCJ and if successful send bailiffs to your property to recover items to cover the debt owed.
Lucas Credit are not bailiffs. They could, however, request a County Court Judgement which means that the courts could send bailiffs. You would have received a lot of warning letters if this was going to happen.
Lucas Credit have been known to send people to your house, however, they have no legal powers so you can ignore them or tell them to go away. If you have received a County Court Judgement then the courts could instruct bailiffs to come to your house.
Lucas Credit cannot force entry, they have no legal powers over you. However, if you have received a County Court Judgement then the courts could instruct bailiffs to come to your house.
Lucas Credit won’t give up chasing you for the debt until they’ve exhausted all of their legal options. This usually means being chased for up to 6 years.
A debt can be too old to collect from you. Under the Limitation Act 1980 they have a maximum of 6 years to chase a debt. This 6 years is counted from your last payment or the last time that you acknowledged the debt.
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.
Debts collectors are only likely to write off your debt if they are no longer legally allowed to chase you. This is typically six years since you last made a payment or last acknowledged the debt.
You cannot contact Lucas Credit via live chat, but you can contact them by text message. You can also contact them by email or post. The list a phone number on their website but it is not a freephone number so you may be charged if you call it.
Lucas Credit accepts debit card payments either for one-off payments or as part of a regular payment plan. Regular payments can also be made by direct debit or standing order. Bank transfers or Internet banking payments are accepted. If you want to pay by cheque, you can either pay a cheque into a Barclays branch or send it by post.