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Mercia Utility Services Limited – Who Are They?

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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.

Learn more about Scott
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Janine
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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 7th, 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.

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.

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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.

Have you received a letter from Mercia Utility Services Limited and don’t know what to do next? Don’t worry; this article is here to help.

Each month, over 170,000 people visit our website for advice on debt issues. Many of them have questions about Mercia Utility Services, so you’re not alone.

Here are some topics we’ll cover:

  •  Figuring out if the debt is really yours.
  •  Finding out if you can ignore or appeal against Mercia.
  •  Learning how to stop Mercia from chasing you too much.
  •  Exploring how you can make a payment plan or even remove your debt.

Many of us understand what you are going through. Some members of our team have also been chased by debt collectors. But don’t worry; we’re here to help you learn more about your options.

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.

Have you received a Mercia Utility Services debt letter?

Mercia Utility Services send debt letters to the people they think owe their client money. Sometimes they send multiple out hoping the real debtor will come forward and pay. 

These debt letters are really called Letters Before Action or an LBA for short. They tell the debtor to pay by a deadline and if they don’t, they may be taken to court which could result in more fees to pay. 

The letters are scary and are designed to make you pay out of fear! 

How to respond to Mercia Utility Services

Respond to Mercia Utility Services debt letters by asking them to prove you’re the one who owes the money. They are supposed to send this proof initially, but debt collection agencies rarely do. 

You can use our letter template to firmly ask for proof and state you won’t pay until it has been supplied. They should respond with a copy of a signed contract or agreement on which you’ve defaulted on. They cannot just re-state that you have a debt with a specific company. 

If they don’t provide the proof but keep asking for payment, you can consider ignoring these letters. But keep a copy of your proof of the debt request letter. If the client decides to take you to court, you can let the judge know your request for proof was ignored. 

If they do supply the proof, you should consider paying the debt to avoid legal action. Assuming they won’t take you to court is a risk. If you cannot afford the full debt, you may be able to arrange an affordable payment plan with Mercia. 

Can you ignore a Mercia Utility Services debt letter?

Due to the possibility of legal action and everything that comes with it, you are not advised to ignore a Mercia Utility Services debt letter

So, does that mean you should pay Mercia Utility Services Limited?

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

Should you pay Mercia Utility Services?

You may have to pay Mercia utility Services to prevent court action when you really do owe the money. But you don’t have to pay Mercia straight away. There is an effective way to respond to Mercia Letters Before Action without paying. And this way you haven’t ignored them either.

Find out how to respond by reading on! 

Another way you might not have to pay

Debts that have become too old to be collected cannot be taken to court, which means you can never be legally forced to pay or face bailiffs if you don’t. Check your Mercia debt is still enforceable before asking for proof of the debt. 

Checking for Other Debt Collectors

There are a lot of ways to get into debt. In fact, it’s not uncommon to owe money to several companies at once.

Perhaps you have a mortgage, a car loan, a couple credit cards and an item or two you bought on buy-now-pay-later schemes. It’s easy to lose track

That’s why it’s important to regularly check your credit report and bank statements to make sure you haven’t missed anything.

If a debt collector has purchased your debt, it appears on your credit report.

Some of the debt collectors you’re most likely to come across are PRA Group, Lowell and Cabot Financial

Shocking Mercia debt collection tactics!

There are some really concerning reports online regarding the tactics Merica Utility Services Limited will use to try and recover unpaid debts. Here is just one example:

“Agent from Mercia Utility Services claimed he was requesting access to private property to “get a meter reading for OVO” but in fact was lying and handed me a folded piece of paper with an “Intent to gain warranty of entry”. Attempting to gain entry to private property under false pretence is a criminal offence.”

  • Dave W (Google review)

On top of this, the Mercia Utility website states they will make three site visits if you refuse to pay the debt. However, Mercia field workers have no right to come to your home and they must leave when you ask them to do so. They are not bailiffs and shouldn’t pretend they have the same powers as bailiffs

If they do, you can report them to the Financial Ombudsman Service. 

Thousands have already tackled their debt

Every day our partners, The Debt Advice Service, help people find out whether they can lower their repayments and finally tackle or write off some of their debt.

Natasha

I’d recommend this firm to anyone struggling with debt – my mind has been put to rest, all is getting sorted.

Get started

Reviews shown are for The Debt Advice Service.

Mercia won’t take legal action against you but the client they’re representing might. Their client may decide that they are certain they are owed the money and start legal proceedings. If you don’t defend yourself a County Court Judgement (CCJ) could be issued and you’ll be legally obligated to pay. If you still don’t pay you could face real bailiffs. 

However, if the client doesn’t want to start litigation then you’ll never be issued with a court order and never become legally made to pay. Even when the client doesn’t want to take the matter further, Mercia could still threaten court action as a scare tactic. They hope you’ll get so worried that you back down and pay up. 

Mercia Utility Services Limited Contact Information

Address: Amington House, 17 Galena Close, Tamworth, Staffordshire, B77 4AS
Phone: 01827 816 230
Email: [email protected]
Website: https://www.merciauk.com/

More debt collector FAQs are answered here

We hope you got what you came for and know how to fight back against Mercia. If you have further questions about debt, you’ll find lots of answers on our debt info hub.

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.

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.