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01142317440 – Who Called? Stop Bluestone Debt Collectors

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Scott
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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 27th, 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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01142317440 – Who Called

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.

Are you puzzled by a call from 01142317440? Not sure what to do next? You’re in the right place. Every month, over 170,000 people like you visit our website looking for help on debt matters.

This article will explain in simple words:

  •  Who is calling from 01142317440.
  •  The reason behind these calls.
  •  Ways to manage and stop these calls.
  •  How to deal with Bluestone Debt Collectors.
  •  Tips to help you handle your debts.

A significant survey completed by StepChange UK found that 83% of the 1794 clients included had at least one creditor who did not take their vulnerabilities into account1. So, we understand that receiving a call from a debt collector can be worrying.

You might be thinking, where did this debt come from? Should I pay it? Is this real? What if I can’t afford to pay? 

Don’t worry. We’re here to help you understand your options.

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.

​​Who Called You from 01142317440?

It was Bluestone Debt Collectors that called you from 01142317440. As their name suggests, this a UK debt collection agency trying to recover debts for their clients. They might call you from other numbers too!

We’re already aware of Bluestone Debt Collection. The number of people asking questions about this firm online prompted us to write the Bluestone Debt Collection guide

We recommend you read this guide if they’ve been calling you. But before you do that, get more information on these calls and what to do below.  

Why has 01142317440 contacted you?

Bluestone Credit Management will probably contact you from 01142317440 if they have been tasked to get you to pay a debt, which could be to HMRC – not always. 

Most debt collection agencies don’t call you lots of times without first trying to get the payment via debt letters. This is because a series of specific letters have to be sent before any legal action can be taken. 

If they’re calling frequently, it’s most likely that you’ve ignored those letters or they haven’t been able to trace your current address. They may have also sent them to a previous or wrong address. 

Typical Debt Collection Process

As mentioned above, receiving a call from 01142317440 is normal if you’ve missed a payment. This is the first stage of the debt collection process.

We’ve created this simple table to help you better understand the debt collector timeline. If you’d like to learn more, be sure to check out our specialized guide.

Stage Actions What you should do:
Missing one or two small payments Calls and letters from the debt collector asking for payment. They may enquire about reasons for missing payments. Contact the debt collector and offer to pay what you can. If you are struggling to pay the debt, get in touch with us to explore your options.
Missing large or multiple payments Their contact will become more frequent, urgent, and threatening. Contact the debt collection agency and offer to pay what you can. You may also make a complaint if you think the letters are a form of harassment.
Debt collector visit After a few months, if the debt is significant (£200+) you will receive notice of a debt collector visit. They have to notify you before arriving. Debt collectors cannot take anything from your home – they may only ask for payment. If a debt collector shows up at your home, ask them to show proof of the debt and their ID through a window. Do not open your door or let them in. You can arrange a payment plan with the debt collector, but make sure to get a receipt of this.
Court If you still do not pay your debts to the original lender/debt collector agency, they will take you to court and either attempt to:
– File a CCJ against you.
– File an attachment of earnings order.
– File a lawsuit against you.
You must show up to your court date. From here, you can either dispute the debt, or the judge will likely suggest a manageable repayment plan for you.

Keep in mind that if you haven’t missed a payment, there is also the possibility that Bluestone has the wrong number and is trying to get hold of someone else. The only way to determine this if you haven’t also received debt letters is to answer one of their calls. 

If you do this, let them tell you the nature of the debt and the details. You don’t need to volunteer information. 

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

Can You ignore Bluestone Debt Collector calls?

Yes, you aren’t obligated to speak with Bluestone debt collectors over the phone. 

But that doesn’t mean you should just ignore all communication. It’s advisable to keep all communication in writing and respond to their letters. 

We have explained how is best to respond in different situations in our How to Beat Debt Collectors guide

» TAKE ACTION NOW: Fill out the short debt form

Ignoring Bluestone completely could result in the client taking legal action to recover the debt. Not only could this mean having to pay more in the long run, but it also means you could face debt enforcement action, not limited to the use of bailiffs. 

How Can You stop Bluestone Debt Collectors from contacting You?

You can’t prevent Bluestone from contacting you completely, but it is possible to stop them from calling you. 

The FCA states that debtors have a right to state their communication preferences to debt collection agencies. This means telling them how you want to be contacted.

To tell Bluestone how you wish to be contacted you need to send them a letter explaining your preferences. It’s advised by debt charities to keep a copy of this letter and then keep proof of posting, just in case you need to make a complaint later. 

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.

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Reviews shown are for The Debt Advice Service.

How Can You Complain about Bluestone Debt Collectors?

Janine, our financial expert, explained that while debt collectors can visit your home for payments, they cannot come to your workplace, act threateningly, force payment, or discuss your finances with others. If they violate these rules, you can complain.

You can also file a complaint if Bluestone does not adhere to your communication preferences or fails to follow other FCA rules regarding how debtors should be contacted.

The first part of the complaints process is to complain directly to the debt collection agency. You can only escalate a complaint to the Financial Ombudsman if you’ve already complained to the company directly and are unsatisfied with the resolution.

The Ombudsman has extensive powers and can fine Bluestone. If they’re guilty of breaking rules, this might even have a positive outcome on your debt situation. 

Bluestone Debt Collection Contact Details

Telephone number HMRC queries: 0114 231 7509
Companies House queries: 0114 212 8531
Other queries:  0114 212 8644
Email address [email protected]
Postal address Not provided
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.

References

  1. Step Change Creditor and Debt Collector Conduct
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.