Top Service Debt – Should You Pay?
For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.
For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.
If you’ve received a letter from Top Service Ltd, you may be feeling worried or confused about what to do next.
Don’t worry; you’re in the right place. Each month, over 170,000 people visit our website for help with debt situations just like this.
In this article, we’ll help you:
- Understand who Top Service Ltd are and who they work for.
- Learn how to deal with a Top Service debt letter.
- Find out if you could write off some of your Top Service debt.
- Discover what to do if your Top Service debt is too old.
- Get help if you are struggling with unaffordable debt.
Top Service Ltd is a known debt collector, but not everyone needs to pay the debt. However, it could get serious if you ignore them. That’s why it’s important to know your options.
Our team understands how stressful it can be when debt collectors get in touch. We’ve been in your shoes, and we’re here to help you navigate this challenging situation.
Top Service Ltd debt letters
The letter you receive from Top Service Ltd is called a Letter Before Action (LBA). It gives you a chance to pay and threatens legal action if you don’t. The letter should also state how much you owe, why you owe it and ways to pay.
It can be confusing when you receive a Top Service letter because you might not have heard of them before.
How to deal with a Top Service debt letter
You have the right to ask Top Service to prove you owe their client money. You can ask for proof of the contractual agreement you signed for the construction work, stating how much needed to be paid or how the invoice could change during the project. They should send a copy of this back to you.
If they don’t provide this evidence then you might not have to pay. A judge could look at you favourably if you have asked for proof you owe money but Top Service or their client didn’t respond. Although it doesn’t guarantee you’ll win a potential case.
Prove the debt letter template
We’ve made asking Top Service for proof of the debt easier. Download our free letter template and add some personal information to create the ideal prove-it letter. It’s 100% free to use our template. Remember to keep a copy for your records!
How a debt solution could help
Some debt solutions can:
- Stop nasty calls from creditors
- Freeze interest and charges
- Reduce your monthly payments
A few debt solutions can even result in writing off some of your debt.
Here’s an example:
Situation
Monthly income | £2,504 |
Monthly expenses | £2,345 |
Total debt | £32,049 |
Monthly debt repayments
Before | £587 |
After | £158 |
£429 reduction in monthly payments
If you want to learn what debt solutions are available to you, click the button below to get started.
Is your Top Service debt too old?
Your debt might even be too old to be taken to court. Many debts that have not been paid or acknowledged in the last six years can no longer go to the courts, which means you can never be forced to pay. Learn more about this loophole to get out of paying Top Service on our statute barred debt guide.
What can Top Service do?
Top Service can often track down merchants and individuals who are unwilling to pay construction companies. They then send these unwilling payers a letter to ask them to pay or potentially face court action. They also have a legal department which can advise members on the next steps if they want to take legal action.
You might want to think of Top Service as an admin company that chases debts using administration techniques.
» TAKE ACTION NOW: Fill out the short debt form
Will Top Service take me to court?
Top Service won’t take you to court because they don’t own your debt. But the member to who you might owe money could decide to take court action. They might discuss this option with the relevant professionals working for Top Service Ltd.
Unfortunately, there is no way of knowing for certain whether the member will take the debtor to court or not. There is a higher chance of this happening if the unpaid invoice is a larger amount and worth the additional expense of going to court – and vice versa.
Top Service reviews
Top Service has some excellent reviews on Google and Trustpilot. Here is what a few of their clients have had to say about them:
“We have had great results when using Top Service to chase payments. The staff are always friendly and helpful too.”
- T&L Transport (Google review)
“The team at Top Service are always without fail professional and knowledgeable yet friendly and approachable. Their customer service is second to none, the success rate in obtaining payments from otherwise difficult accounts is nigh on 100 per cent.”
- Maria M (Google review)
At the time of writing, there were no negative comments about them as a debt collection company from the side of the debtors. This is quite rare as many debtors tend to complain about harassment from debt collection agencies.
Are Top Service Ltd bailiffs?
Top Service Ltd are not bailiffs, which are commonly known as enforcement agents in modern times. A debt collection agency chases payment before the matter escalates to the courts (if it ever does!). Whereas an enforcement agent is used after the case has been to court and the debtor still refuses to pay.
This means Top Service cannot come to your home and threaten to take away your possessions. Even if they give the impression they have these legal powers they have broken the rules.
Thousands have already tackled their debt
Every day our partners, The Debt Advice Service, help people find out whether they can lower their repayments and finally tackle or write off some of their debt.
Natasha
I’d recommend this firm to anyone struggling with debt – my mind has been put to rest, all is getting sorted.
Reviews shown are for The Debt Advice Service.
Top Service Ltd Contact Details
Address: | Top Service Ltd, 2-3 Regents Court, Far Moor Lane, Redditch, B98 0SD |
Telephone: | 01527 518800 |
Email: | [email protected] |
Website: | https://www.top-service.co.uk/ |