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Redcastle Recoveries Debt – Do You Have to Pay? 2022

redcastle-recoveries

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

Redcastle Recoveries Debt Collection is well-known for sending out payment requests, calling supposed debtors numerous times and threatening legal action. 

So, do you have to pay Redcastle Recoveries Debt Collection or can you throw their scary letters in the bin? Find out in this guide! 

Beating Debt Collectors

There are several ways to deal with Redcastle Recoveries 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.

Fill out the 5 step form to get started.

Who are Redcastle Recoveries?

Redcastle Recoveries, also known as Red Castle Recoveries, is a debt collection company working to recover unpaid debts and arrears in the UK. They have become part of the Arvato Debt Collection group.

They work on behalf of other businesses to recover unpaid debts in return for a fee or a commission on any eventual debtor payments, sometimes both! Redcastle Recoveries Debt Collection is not bailiffs and cannot come to your home to repossess assets. 

Who do Redcastle Recoveries work for?

Redcastle Recoveries debt collection services are available to all types of businesses. Therefore, they could be working to recover all types of arrears. However, there is evidence online to suggest they work frequently for internet providers and energy suppliers, such as British Gas. 

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Redcastle Recoveries reviews – harassment? 

Some of the Redcastle Recoveries reviews – via Avarto – on Trustpilot suggest that the company will continually make contact, which could amount to harassment. Have a read for yourself:

Harassing me for nearly 6 months over a bill that was ALREADY paid. They are chances just simply trying it on. Beware I had to block the numerous daily telephone calls and emails because of the harassment. The threats inside the telecommunication about court action etc are empty threats especially when I spoke to British gas and confirmed this bill has already been paid.”

  • Amber (Trustpilot) 

“Bombarded with texts, phone calls and emails even though l had a payment plan. Beware of the harassment.” 

  • John W (Trustpilot)

Be aware that you can send Redcastle Recoveries your communication preferences, which they must stick to. This can help stop calls at certain times of the day. If they are harassing you, you should complain directly to them. And if it’s not resolved, you should escalate your complaint to the Ombudsman Service, which could fine Redcastle Recoveries.

Have you received a Redcastle Recoveries debt letter?

Amidst the continuous calls and emails, you will probably receive a letter from Redcastle Recoveries. This letter is called a Letter Before Action because you are threatened with legal action if you don’t pay. If a company wants to take you to court over a debt matter, they must send one of these letters first. 

But do you have to pay after receiving a Redcastle Recoveries debt letter? Keep reading to find out. 

Can Red Castle Recoveries take me to court?

Disputes over debt can go to court where a judge may rule that the debtor must pay or face debt enforcement action, which usually means bailiffs. However, it would be the company that is owed the money which would take you to court, rather than Redcastle Recoveries Debt Collection. 

It’s common for debt collection agencies to threaten legal action on behalf of their client without even consulting on the matter. It may be the case that the business owed the money is not willing to go to court. This is more likely if they’re only owed a small amount. However, it’s not wise to assume you won’t be taken to court. Some businesses still take legal action over small amounts. 

How can I stop debt letters from Red Castle Recoveries?

Red Castle Recoveries are allowed to write to people to request payment. You can’t stop them from sending you letters to ask for a payment, and you can’t stop them from threatening legal action. The only way to stop their letters is to not ignore them. 

So, does that mean having to pay?

Do you have to pay Redcastle Recoveries?

You don’t have to pay Redcastle Recoveries just because they sent you a letter. You should only consider paying the debt or agreeing to a payment plan with them if they prove you owe the debt. They’re obligated to send you proof of the debt, which usually means a copy of a contract or credit agreement that you signed. 

If they have not sent proof of the debt within their Letter Before Action, which isn’t common for them to do, you should reply to their letter and request this proof. Keep a copy of the letter in case the matter goes to court. You can tell the judge your request wasn’t answered which could help you. 

How to ask Redcastle Recoveries for proof of the debt

You should politely but firmly request proof you owe the debt. At the same time, you should inform Redcastle Recoveries that you will not be paying unless they send you proof and that any future letters they send will be ignored until evidence is sent. 

We’ve made getting these messages across easy for everyone. Download the MoneyNerd prove the debt letter template and add your own details. Then send it off to Redcastle Recoveries. 

How long is a debt recoverable?

Many debts become statute barred after six years in England and Wales or five years in Scotland. A Statute barred debt is one that has become too old to be recovered. You can’t be taken to court over these debt matters and you therefore can never be made to pay or face bailiffs. 

Note that some debts take longer to become statute barred, and some debts don’t become statute barred at all. 

So, before you start downloading our prove the letter template, check to see if your ​​Redcastle Recoveries can even be collected. You might get away without having to pay them at all, and you could instead ask for the debt to be written off. 

Not found what you’re looking for?

We hope everyone dealing with ​​Redcastle Recoveries managed to find the answers they needed above. But if you didn’t you can learn more about dealing with debt collection groups on our debt help hub.

Are you struggling with debt?

Affordable repayments

Reduce pressure from people you owe

Stop interest and charges from soaring

Get started

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Are you struggling with debt?
Are you struggling with debt?
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  • Reduce pressure from people you owe money to
  • Stop interest and charges from soaring
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