Unexpectedly receiving a debt collection notice in the post is stressful to say the least. You probably have questions like who are Mellicks Solicitors debt collection? Is this legitimate or a scam? What do I do if I can’t afford to pay the debt?
This post will answer all of these questions and show you how to confidently deal with Mellicks Solicitors when you get the dreaded debt collection letter.
Who are Mellicks Solicitors Debt Collection?
Based in Glasgow, Mellicks Solicitors Incorporating Naftalin Duncan & Co specialise in all aspects of legal matters including matrimony, insolvency, media law, and debt collection.
Their debt collection team are known for serving commercial clients but also work for the local council recovering unpaid council tax and fines.
Is Mellicks Solicitors a Scam?
Mellicks Solicitors are not a scam but legitimate solicitors who offer debt collection services. As such, you should never ignore letters or phone calls from this firm.
Having said that, it’s also important to never admit to owing the debt they are claiming. This will give them more ammunition to chase you for it before you’ve done your own due diligence.
We’ll cover the steps to take when contacting Mellicks Solicitors later.
Why Am I Receiving Letters from Mellicks Solicitors?
Mellicks Solicitors are employed by third parties to recover unpaid debts. This third party could be the local council, a bank or credit card company, or financier.
You’re receiving letters because you have an unpaid debt with some form of third party or lender. This could be an unpaid loan or parking fine, or perhaps unpaid council tax.
If you dispute the debt or think there has been a mistake, we’ll cover what you should do later in the guide.
What Happens if I Ignore Letters from Mellicks Solicitors?
Although you should never admit to owing debt, it’s also not a good idea to completely ignore letters from a debt collector.
This could lead to the case being escalated to court and hefty fines being incurred.
Rather than ignoring Mellicks altogether, write to them stating that you’ve received their letter, you dispute the debt in question, and you need to be provided with proof.
Prove the Debt
To prove the debt is legitimate, Mellicks should send you the original signed copy of the loans agreement or equivalent.
They have also been known to chase unpaid parking fines on behalf of private companies. If this is the case, they need to provide proof of who was driving.
No matter what the debt is, without proof that you owe the debt, they have no legal right to chase you for payments.
So before going any further, make sure you ask for proof of the debt owed.
What Legal Action Can Mellicks Solicitors Debt Collection Take?
Here is the legal process Mellicks will go through to recover the debt:
1. Attempt to retrieve payment directly
First, you’ll receive letters in the post. If they have your number on file, you might also get a few phone calls.
Don’t be surprised if you receive multiple calls and letters – debt collectors can be persistent and will try their best to solve the matter with you directly.
2. Send field agents
Next, an agent from Mellicks might visit your property. This isn’t to collect a payment, but just to check if you are actually living at the property and they’re hounding the correct house.
If they do send agents, do not agree to any payment plans on your doorstep. Simply inform them you will be in touch by post and shut your door.
3. Send a default notice
If they still don’t hear from you, you should receive a default notice stating that your account is closing and if no payment is made, legal action will be taken.
4. File for Judgement
Mellicks may opt to take your case to court and file for a County Court Judgement. This makes the debt owed legal and usually results in monthly payments.
4. Send bailiffs
If the County Court Judgement is granted and you fail to make payments, the lender may apply for a warrant and bailiffs will be sent to seize assets from your home or property.
Can Mellicks Repossess My House?
If the debt is unsecured, your house can’t be repressed without a Charging Order. This order will secure the debt against your home in the event you don’t keep up with payments.
This is only done as a last resort and if the debt owed is substantial. However, it is highly unlikely that your home will be repossessed.
Should I Just Pay Mellicks Solicitors to Avoid Legal Action?
You should never admit to owing the debt or make any payments until you’ve completed a few of your own checks to ensure the debt is legitimate:
1. Ask Mellicks to Prove the Debt
As we talked about above, you should ask for proof of the debt from Mellicks. If they can’t prove you owe the debt, they can’t take you to court – so you can ignore further letters.
2. Check Your Credit Report
If the debt is in your name, it should appear on your credit report. You can check this for free with online tools like Experian.
3. Check if your debt is statute barred
According to the Limitation Act 1980, any debt more than six years old is statute barred. After six years, lenders can no longer take you to court over the debt and so there is no legal obligation to pay anything.
How Do I Make a Complaint Against Mellicks Solicitors?
If you feel you have been harassed or mistreated by Mellicks Solicitors Debt Collection, you can make a complaint against them.
Post: Mellicks Solicitors, 160 Hope St, Glasgow G2 2TL
Phone: 0141 332 0902
What Do I Do if I Can’t Afford to Pay Mellicks Solicitors?
The only reason you should be thinking of paying Mellicks is if the following checks have been confirmed:
- Mellicks have provided proof of the debt
- The debt is listed on your credit report
- The debt is not statute barred
But what if you can’t afford to pay back the money owed? This can happen to anyone, circumstances change and we’re not in a position to keep our payment agreements.
1. Arrange a monthly payment plan
Mellicks Solicitors should be willing to agree on a monthly payment plan with you if you’re not able to pay the debt in full.
2. Negotiate a reduced final settlement
If you have some money in the bank, you might be able to negotiate a reduced final settlement which you’ll need to pay in full.
Think about how much you would be willing to pay and start negotiations low.
3. Write off Andrew Wilson & Co debt
You may be eligible to write off the debt using an Individual Voluntary Arrangement (IVA). This consolidates any debts you have into one affordable monthly payment.
This payment usually lasts 60 months and then any remaining debt is written off completely.
Learn More About Your Debt Options
There are many more debt management options available depending on your circumstances. Make sure you explore them all before making any decisions to pay the debt to Mellicks Solicitors Debt Collection.
The most important thing to remember is that you should never pay back debt if it means putting yourself into even more debt. This is a vicious cycle that is difficult to break out of.
Instead, take your time to explore your options and find the one that best suits you.