We will help you deal with One Call Debt Recovery and their scary threats. In our easy-to-read guide, you will find out about your rights and how to buy yourself more time by sending a prove the debt letter.

We will even discuss one way that could mean you never have to pay One Call Debt Recovery.

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 One Call Debt Recovery?

One Call Debt Recovery is a niche debt recovery team working in-house for their insurance service business. One Call Direct is the main business that provides insurance for homes, holidays, vehicles, pets, health and even offer income insurance.

The One Call Debt Recovery team are part of the business and will chase unpaid debts from their own customers.

Who Do One Call Debt Recovery Collect for?

As One Call Debt Recovery is an in-house department of One Call Insurance Services Ltd, they only chase debts relating to the business. They are not the usual debt collection agency that chases debts for multiple creditors.

If you have missed payments on your insurance, there is a good chance you will be hearing from One Call Debt Recovery and may be subject to further penalties.

Are they legitimate? 

Questions of legitimacy are often asked when it comes to debt collection. It’s always a smart idea, as there are some rogue traders out there trying to make money from unsuspecting victims. However, when it comes to One Call Debt Recovery, you can rest assured they’re a real and legitimate company. 

By checking the Companies House register, we can see that One Call Insurance Services Limited is registered under the company number 04693136. The firm was incorporated in March 2003. The same company also appears on the FCA register with the reference number 302961. It’s also worth noting that they have several trading names registered here too, including: 

  • Renewal Checker 
  • One Quick Quote 
  • One Call Commercial 
  • One Call Debt Recovery 

Received a One Call Debt Recovery Letter?

If you have received a One Call Debt Recovery letter, it is best not to ignore it. Even if you think there has been a mistake, ignoring a One Call Debt Recovery debt letter could make the debt grow because of interest and further financial fees.

If you disagree that you owe them money, you can speak to them directly or use our prove the debt letter.

Stop One Call Debt Recovery Scary Calls

If One Call Debt Recovery is making repeated calls asking you to pay the money, you can make them stop by providing them with your contact references. One Call Debt Recovery must abide by these contact preferences or they may be committing harassment, which is a criminal offence.

If you are being harassed by One Call Debt Recovery, you can make an official complaint to the Financial Ombudsman. You can rightfully complain even if you owe One Call Debt Recovery money.

Can One Call Debt Recovery Come into My Home?

One Call Debt Recovery are an in-house team trying to get you to pay. It is important to establish the difference between recovery companies and bailiffs. A recovery company is much like an administration business which will track you down and ask for payment.

If they fail to get you to pay, they can apply to the courts for the debt to be legally enforceable. If you continue to not pay after the courts have told you to, One Call Debt Recovery could request bailiffs to come to your home and ask for the money – or repossess your valuable of equal worth.

Bailiffs will try to come inside you home peacefully. This would only happen if you failed to engage with One Call Debt Recovery and discuss your options.

Make Sure One Call Debt Recovery Prove Your Debt

You might be fully aware of your unpaid debt with One Call Debt Recovery. Even if you are, you are legally allowed to request proof that you owe the debt.

You should do this by writing One Call Debt Recovery a letter asking for proof of the debt.

It is likely that One Call Debt Recovery will send you a signed agreement of your insurance policy. At this point, you should assess your debt solution options.

But requesting proof is good for many reasons:

  • It bides you time to think about your next step
  • It makes One Call Debt Recovery realise their own mistakes (if applicable)
  • It proves admin errors (see above)
  • The debt does not have to be paid without proof

Remember, You Have Many Debt Solutions!

Most of the debts with One Call Debt Recovery are not significant because most of their insurance policies only last 12 months. This means you could pay it off in one payment and avoid any additional admin fees or penalties.

But for people who have lost their main source of income, paying the One Call Debt Recovery debt could be an issue. The good news is that One Call Debt Recovery state on their website that they take a personal approach to debts and can help you come up with a way to pay it off over many months.

This is just one of many ways to get out of One Call Debt Recovery debt. Speak with the fantastic UK debt charities to learn more.

The #1 Way Not to Pay One Call Debt Recovery

Sometimes One Call Debt Recovery may not contact you about an unpaid debt for years. This happens due to clerical errors or because One Call Debt Recovery have had significant problems trying to track you down. You may have been abroad for some time.

If your debt is more than six years old and you haven’t made any payments towards the debt in the previous six years, you might not have to pay.

Statute barred debts are old debts that One Call Debt Recovery and any other collection company cannot ask the courts to look at. Because the courts are too busy with recent cases, they have banned old debt cases from being considered.

It could be the case that your One Call Debt Recovery is statute barred and not legally enforceable. If this is the case, you need to send One Call Debt Recovery a letter to tell them.

How to Make a One Call Debt Recovery Complaint

If you believe that One Call Debt Recovery have treated you unfairly or illegally, either by harassment, pressuring techniques or something else, you can complain.

First, make your complaint directly with One Call Debt Recovery and see how they respond. If you are still unsatisfied, you should complain to the Financial Ombudsman.

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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