Orbit Debt Collection are sending out letters for people to pay their unpaid UK debts.

We have more information on the types of debt that Orbit Debt Collection will chase and how to deal with Orbit Debt Collection.

Thankfully, Orbit Debt Collection is one of the more caring debt collection agencies. But we still have must-read advice for you.

Who Are Orbit Debt Collection?

Orbit Debt Collection is a company that collects debts from UK residents. But they don’t just collect any type of debt, they specialises in one niche of household debts.

If you already received an Orbit Debt Collection payment request, you probably know what type of debts we are talking about…

Don’t worry, here’s what to do!

You could get rid of Orbit by writing off some of your debt.

There’s 7 debt solutions in the UK, choosing the right one can take years off your debt, but the wrong one can be expensive and drawn-out.

Start our calculator to find your best debt solution:

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

What is the total amount of your debt?

Who Do Orbit Debt Collect Debt for?

Orbit Debt Collection collect debts specifically for the UK’s water suppliers. If you haven’t paid your water bill and are drowning in debt, there is a good chance that you will be hearing from Orbit Debt Collection.

On their official website, they state they collect debts for:

  • Anglian Water
  • Essex and Suffolk Water
  • Hartlepool Water
  • Northumbrian Water
  • Southern Water
  • United Utilities
  • Yorkshire Water
  • South West Water

The latter has also been evidenced by a recent forum user:

“Today I received a letter from orbit debt collections ltd. because of[sic] a debt I owe to “south west water” has been passed to them.”

[Consumer Action Group Forum]

Feeling like Chandler?

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Is all this information starting to feel overwhelming? Don’t panic! I’ve put together a 4 question calculator so you can quickly and easily find the best debt solution for you.

Answer the four questions now.

You Could Receive a Scary Orbit Debt Letter

Has Orbit Debt Collection sent you a letter asking for you to pay one of these water debts? Sometimes these debt letters are worded in a way to intimidate you and make you want to pay.

When you receive an Orbit Debt Collection debt letter, there are two things you must do:

  1. Do NOT ignore Orbit Debt Collection or it could get worse
  2. Do not pay them instantly (there is something you should do first – read on!)

Can I Stop Orbit Debt Collection Calls?

Yes and no. If you are getting bombarded with debt calls from Orbit Debt Collection, there is something you can do about it and it doesn’t take much effort. Instead of burying your phone or changing sim cards, you can simply ask Orbit Debt Collection to contact you during certain hours. They must stick to these requests.

See the end of our guide for help if they continue to call or make threats.

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?

Can Orbit Debt Have My Water Cut Off?

No – you can never have your household water cut off because of unpaid water bills. Because water is a human necessity, no company is able to cut off your water.

But don’t make this an excuse not to pay. Not paying your Orbit Debt Collection debt when you need to can have big consequences.

Get Orbit Debt Collection to Prove the Debt

Earlier we mentioned that there is something you should do before paying your Orbit Debt Collection debt. It is also a useful tactic if you are not sure how you will find the money to pay, because it gives you some time.

Orbit Debt Collection must provide proof of the debt. If they don’t provide proof when they ask for payment, you can send them a letter asking for it.

Getting proof from Orbit works slightly differently to most companies as they’re a water provider. Water companies are legally obligated to supply water to any property that is occupied for residential purposes. Water companies do not make contracts with consumers as the relationship between both parties is governed by legislation i.e. the obligations are legal, not contractual.

That means it’s not so simple as sending a ‘prove it’ letter to Orbit in order to find proof of your debt. You can’t get a copy of a signed water bill agreement as no such agreements exist. Instead, you should speak to Orbit directly. They can be contacted at https://www.orbitservices.co.uk/.

Ways to Escape Your Orbit Debt Problems

Not everyone can afford to pay their Orbit Debt Collection payment in one go. Some people with low incomes, multiple debts or are currently unemployed will struggle to pay off their debt. The good news is that Orbit Debt Collection are known to be sensitive to these situations and are ready to agree repayment plans that meet your needs.

If you don’t want to go down this route for a particular reason, there are other debt solutions out there too.

The One Way You NEVER Have to Pay Orbit Debt

There is a situation which will prevent you from having to pay your Orbit Debt Collection debts. This is when your debt is statute barred.

So, what is a statute barred debt?

It is an old debt that the courts do not want to entertain because they are too busy and resources are stretched. If your debt is at least six years old, there is a chance that your debt may satisfy some other criteria and won’t need to be paid.

The debt itself does not get wiped, but Orbit Debt will have no way of making you pay it because that can only be done through a court issuing a CCJ. With the courtroom doors blocked to these old debts, Orbit Debt may ask but they may never get.

If Orbit Debt Collection keep asking about an old debt, you can send them a statute barred notification letter, informing them that the debt cannot be collected. This letter – templates can be found online – should also make clear that further request for payment is harassment.

Making an Orbit Debt Collection Complaint

If you think Orbit Debt Collection has been aggressive, intimidating or has not kept to your communication preferences, you have the option to make a formal complaint. The Financial Ombudsman will be able to investigate any complaint – preferably with evidence – and might tell Orbit Debt Collection to give you compensation if they agree with you.

But before you complain to the Ombudsman, they ask you to raise your complaint directly with Orbit Debt Collection first.

For more help, contact one of the UK’s great debt charities or seek information that is easy to understand on MoneyNerd!

FAQs

Are orbit bailiffs?

Orbit are not bailiffs, they are debt collectors and therefore they have limited powers. This means they cannot force entry into your house and they cannot repossess any of your bel0ngings.

Who do Orbit collect for?

Orbit collects for some of the UK’s largest water companies providing credit management for their clients.

Can debt collectors take your house?

No. Debt collectors cannot take your house even for a secured loan. The decision will be passed back to the creditors who can take you to court in order to repossess your house.

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*Note: This is a real life example based on a customers’ savings data in October 2020.

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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