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PSP Fieldcall – Should You Pay? 2022

psp-fieldcall

For free and impartial money advice and guidance, visit MoneyHelper, to help you make the most of your money.

You’re probably reading this because you’ve received a PSP Fieldcall debt letter. But who is PSP Fieldcall and do you really have to pay them? These are some of the questions we’ll be answering below, along with top tips on how to respond to their legal threats. 

Beating Debt Collectors

There are several ways to deal with PSP Fieldcall debt collectors and improve your finances.

Choosing the right way to tackle your debt could save you time and money, but the wrong one could cause even more harm.

It’s always best to find out about all your options from a professional before you take action.

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Who is PSP Fieldcall?

PSP Fieldcall is a UK debt collection company, but they may also be known by other names that incorporate “Fieldcall”. They collect debts on behalf of other companies who have not managed to recover the money they’re owed directly. 

Thus, they use PSP Fieldcall’s services to outsource the debt recovery process. PSP Fieldcall may charge a fee or commission on payments for their work. You might not have heard of PSP Fieldcall before, and that’s because they’re working for another company. 

Who does PSP Fieldcall collect debt for?

PSP Fieldcall offers its services to any business and doesn’t work to collect debts in a specific industry. Therefore, they could contact you about a debt owed to a creditor, utility company, finance company, telecommunications provider or another type of debt. 

There is evidence online that they work to collect debts for Hitachi:

“Today when I was upstairs looking after my ill son the door knocked. By the time I looked there was no one there, just a letter from Fieldcall ltd saying they have been instructed by Hitachi to discuss any problems I am experiencing and a number to call. Also the person who delivered this letter has visited my parents’ address where I no longer live and delivered a letter there to my dad in person.”

  • SBT (Consumer Action Group Forum)

It’s quite alarming that a debt collection company is going to people’s homes, and it probably makes you wonder if they are bailiffs…

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Are PSP Fieldcall bailiffs?

PSP Fieldcall are not bailiffs. They are just an administration-type business and have no legal powers to enforce debts that have been ordered to be paid by a judge. 

If PSP Fieldcall suggests they are bailiffs or tells you they can repossess your items, you should report them to the Financial Ombudsman Service (FOS). 

The experience told above suggests that PSP Fieldcall agents will come to your home to hand-deliver letters. This is probably to make you engage with them and put pressure on them to pay. But you don’t have to speak to them and you certainly don’t have to let them come inside your home. 

Can debt collectors come to your house without notice?

Technically, a debt collection agency can come to your home but you can ask them to leave – and they must. A bailiff can come to your home when in possession of an order saying you have to pay a debt. But even when a bailiff visits you, they must give you notice by sending you a Notice of Enforcement letter. 

Have you received a PSP Fieldcall debt letter?

If PSP Fieldcall is chasing you for money owed to one of their clients, you’ll likely receive a letter. This may come in the mail or as illustrated earlier, someone from PSP Fieldcall might try to hand-deliver the letter. 

These letters are called Letters Before Action or an LBA. They are designed to encourage you to pay or face the possibility of legal action. However, there is no certainty whether you will be taken to court for not paying. It will probably depend on their client’s wishes and the amount of money owed. 

Should you pay a PSP Fieldcall debt?

You shouldn’t ignore a PSP Fieldcall debt letter, but neither do you have to pay straight away. There are ways to respond to these payment requests and legal threats without paying. 

This stops you from ignoring the letter which can result in a potential legal challenge. But it doesn’t mean giving up either. 

Check to see if your debt is collectable

The first thing to do when you receive a PSP Fieldcall debt letter is to check if the debt they’re trying to collect is still “collectable”. Many debt matters in the UK cannot be taken to court if the debt is at least six years old and you haven’t made a payment towards the debt in the last six years. This is called a statute barred debt.

When a debt cannot go to court, a judge can never issue you with an order to pay. So from a legal standpoint, you’re never forced to pay. The debt will still exist and could harm your credit file, but PSP Fieldcall should stop asking for payment. You might even get their client to write it off. 

Always double-check that your debt has become too old to be collected by speaking with a debt charity. Then send PSP Fieldcall a letter to inform them this is the reason you won’t be paying. 

Ask PSP Fieldcall to prove the debt first!

If your debt can still go to court and be legally enforced, you can ask PSP Fieldcall to prove you owe the debt instead. You should do this by sending a prove-it letter. We’ve created a template you can use for free to save you time. 

They must respond with concrete proof that you owe the money, which should be a copy of a signed agreement when applicable. If they don’t you don’t need to pay. And if they subsequently take you to court, you should tell the judge that your prove the debt letter was ignored. 

PSP Fieldcall proved the debt – do I pay?

If PSP Fieldcall proves your debt you should consider paying or agreeing on a payment plan. If not, their client could take legal action. 

Want personalised debt support?

We hope this guide answered your pressing questions. Use our debt help page for more guidance on related topics. If you need personalised help, consider speaking with Citizens Advice or a UK debt charity, such as National Debtline.

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