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 debt collectors by writing off your debt. I’ve put together a 4 question debt calculator which will tell you if you’re eligible:
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]
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.
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:
- Do NOT ignore Orbit Debt Collection or it could get worse
- Do not pay them instantly (there is something you should do first – read on!)
Can I Stop Orbit Debt Collection Calls?
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.
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.
Proof would be a water bill agreement, signed by yourself if applicable.
If they continue to request money without proof, you should keep all correspondence between you and not reply again. If they try to take you to court, you can show the judge that you asked for proof and they never provided it.
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 Money Nerd!