Oriel Debt Collection may have sent you a scary letter and want money, but don’t hand over the cash just yet. We have ways to fight back against Oriel Debt Collection and you might not have to pay. Even if you do have to pay Oriel Debt Collection, we have some debt solutions to tell you about that you could use.
Who Are Oriel Debt Collections?
The UK debt industry is full of businesses that make a profit by chasing debts for other companies (and sometimes purchasing debt themselves.
Oriel Debt Collections is one of those businesses, also known as a debt collection agency. They chase UK residents with letters and calls, asking them to pay debts. Sometimes these communications come as a surprise because the debts are quite old.
Oriel Debt Collections: Working Across Industries
Some debt collection industries work in a specific niche. For example, they may only collect debt relating to water bills or credit cards. But Oriel Debt Collection is not one of these agencies. They work across many industries. Their website even states they work in over 30 sectors.
Some of the most common industries they collect debt in are:
- Utility providers
- Education debt
- Property debt
Household utility debt is big in the UK and Oriel Debt Collection have been known to work for providers like OVO Energy in the past:
“I received a letter from a company called Oriel collections saying I owed OVO energy limited money and they had picked up the debt. The thing is I have never been with OVO energy so I’m confused as to what to do now.”
How Do You Find Out About Your Oriel Debt?
If you have a debt with Oriel Debt Collection, they are likely to contact you via a letter, just like the Reddit poster described above.
These debt letters can be intimidating and strike panic into you, especially if you have no idea about the debt they are referring to.
If you are oblivious to the debt, there may have been a mistake.
Can I Ignore Oriel Debt Letters?
You should never ignore a debt letter from Oriel Debt Collection or another collection agency. Even if you know there is a mistake (like our Reddit poster), ignoring them is a bad idea as they could take you to court to pay.
We will discuss the better ways to deal with Oriel Debt Collection debt letters throughout our guide.
Make Oriel Debt Collections Stop Calling
But letters might not be your only problem.
Oriel Debt Collection are also known to call their debtors asking them to pay. If they are calling too frequently or at hours you wish they wouldn’t, there is something you can do about it.
By sending Oriel Debt Collection your contact preferences, they must stick to the times of the day you will speak with them. If they disregard your contact preferences, they are harassing you.
To complain about Oriel Debt Collection harassment, keep reading our guide.
Can Oriel Debt Collections Come into My House?
Oriel Debt Collection are not allowed to come into your home or even pretend like they have this right.
The only people who may be able to come inside your property to request payment is a law enforcement officer, also known as a bailiff.
But this only happens after the debt is discussed in court and only if you continue not paying the debt. There are ways to avoid this even if you can’t afford to pay all of the Oriel Debt Collection debt.
Make Oriel Debt Collection Prove the Debt
So, if you don’t ignore Oriel Debt Collection what should you do? The answer is to make them prove you owe the money.
You should write them a letter or download the premade prove the debt letters online. Fill in some personal information to make it complete and send it off.
The onus is then on Oriel Debt Collection to prove the debt with a signed agreement. If they can’t then you are not obliged to pay.
Your Oriel Debt Collection Solutions
Oriel Debt Collection offer repayment plans to help you pay off any debt that you cannot afford to repay in one go. This means even people on lower incomes can get out of their Oriel Debt Collection debt over time.
And this isn’t the only debt solution where you don’t pay in one hit. There are lots of other debt solutions which could be even more advantageous. One of the best for people with multiple large debts is an IVA!
Don’t Pay Oriel Debt Collections If This Applies!
Did you know there is a way that you won’t have to pay Oriel Debt Collection a single penny? That’s right and it is because of a legal loophole that has been around for decades. It is not just Oriel Debt Collection either, but any debt may not have to be paid if the following applies:
- Your debt is a minimum of six years old
- You haven’t made any repayments within the last six years
- You haven’t acknowledged the debt in writing over the same period
- You have never been issued with a CCJ to pay the debt
If all these apply, your debt is statute barred. But what does that mean exactly? Well, it means that Oriel Debt Collection cannot take you to court. And you can never be legally forced to pay your debt.
Are You Being Harassed by Oriel Debt Collections?
Whether it is harassment over the phone or constant letters without proof of the debt, there may be a good reason to complain about Oriel Debt Collection.
If Oriel Debt Collection don’t respond to your complaint appropriately or nothing improves, you can send a complaint to the Financial Ombudsman.
They will investigate and Oriel Debt Collection may have to pay you compensation.