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Top Service Debt – Should You Pay?

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Scott
Scott Nelson Profile Picture

Scott Nelson

Managing Director

MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.

Learn more about Scott
&
Janine
Janine Marsh Profile Picture

Janine Marsh

Financial Expert

Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.

Learn more about Janine
· Feb 7th, 2024
Could you legally write off some debt? Answer below to get started.

Total amount of debt?

This isn’t a full fact find, MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

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.

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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.

Could you legally write off some debt?

There are several debt solutions in the UK, choosing the right one for you could write off some of your unaffordable debt, but the wrong one may be expensive and drawn out.

Answer below to get started.

How much debt do you have?

This isn’t a full fact find. MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

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:

  1. Stop nasty calls from creditors
  2. Freeze interest and charges
  3. 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.

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.

Get started

Reviews shown are for The Debt Advice Service.

Keep Up To Date With Your Debts

It’s easy to lose track of debts, especially since the debt collection industry isn’t exactly transparent.

One important thing to look out for is your debts being passed to other collectors.

debt sold to debt collector

Sometimes, a debt collector will deem a particular debt not worth chasing, and they may sell the debt to another agency. It’s surprisingly common.

The story above is a great example where PRA Group Inc. decided a debt was no longer worth their time, so they sold it to Moorcroft Debt Recovery.

Two of the biggest names in the industry are Lowell UK and Cabot Finance, so they’re the ones you are most likely to see if it does happen to you.

I’d suggest you keep a keen eye out in your post and email for any indication that your debt has been transferred.

It’s easy to miss, especially if you’ve been used to seeing messages from one specific collector. 

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/
Could you legally write off some debt?

Answer below to get started.

How much debt do you have?

This isn’t a full fact find, MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

The authors
Scott Nelson Profile Picture
Author
MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.
Janine Marsh Profile Picture
Debt Expert
Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.
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