0161 808 1800—Who Called? Stop CRM Debt

Have you received a call from 01618081800? This is the number for Cerberus Receivables Management, a debt collection company.

Don’t worry, you’ve come to the right place for advice. Each month, over 170,000 people visit this website seeking guidance on debt issues.

In this article, we’ll help you:

• Understand why CRM debt collectors might be calling you.
• Learn how to deal with them.
• Find out if you can ignore the calls from 01618081800.
• Understand what should you do if you can’t afford to pay the debt.

Unfortunately, nearly half of the people who are chased by debt collection agencies have experienced harassment or aggression¹. Some of our team members have been there too.

With our experience, we’ll help you understand different ways to deal with CRM and manage your debt.

Let’s dive in!

Why Are You Being Called by 01618081800?

If you’ve received a call from 01618081800, chances are it’s Cerberus Receivables Management, a company specializing in debt collection.

They’re responsible for collecting debts on behalf of different clients.

This is quite common, as debt collection agencies buy billions of debt annually at rock bottom prices – at an average of 10p to £1! ²

CRM debt collectors usually prefer calls over letters because they’re harder to ignore and can be more persuasive.

Cerberus debt collectors call because they want you to pay the entire sum over the phone, which, let’s face it, isn’t always possible.

So, if you can’t pay it all at once, expect questions about your living situation, expenses, and other financial commitments. This might feel invasive, but it’s all part of their effort to understand why settling the entire debt upfront isn’t possible for you.

Their aim is to recover at least some profit from the debt.

Your Rights With Debt Collectors

From what we’ve seen, it’s common for debt collection agencies like Cerberus Receivables Management to threaten you with seizing your assets.

Don’t worry, such actions are not within their authority.

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.

I’ve put together this quick table to help you better understand your rights when dealing with debt collectors.

Keep in mind that you can request CRM debt collectors to communicate with you in writing rather than over the phone. They should respect your requests. If they don’t, you can also file a complaint.

Should You Pay or Ignore CRM Debt Collectors?

Even though it might be tempting to let the phone ring and avoid talking to them, ignoring calls from 01618081800 isn’t the best strategy.

We always recommend responding to debt collectors — even just to question the debt’s validity.

You have the right to request proof of the debt.

If the creditor can’t provide evidence to support the debt they’re pursuing, you’re not obligated to pay.

» TAKE ACTION NOW: Fill out the short debt form

It’s also important to note that if your debt has been unresolved for over six years without any payments or communication with the creditor, it may become ‘statute-barred.’

In simpler terms, while the debt technically still exists, it can’t be enforced legally.

However, it’s crucial to keep in mind that this protection only applies to specific debts, and it depends on whether the creditor has made contact or obtained a County Court Judgment against you during that period.

What If You Can’t Pay the Debt?

We understand that CRM debt collectors can be intimidating over the phone, and it’s normal to feel worried about the consequences of not being able to pay the entire debt.

But don’t worry! Cerberus Receivables Management is usually open to arranging a payment plan that fits your budget.

As mentioned earlier, they’ll ask about your current living situation and finances. You should be completely honest, as this is the way in which they’ll be able to come up with a plan that work for both of you.

There are also some solutions available that may help you manage your debt effectively. These are:

• Debt Management Plan (DMP): Agreement to pay back non-priority debts in one monthly payment.
• Individual Voluntary Arrangement (IVA): Agreement to pay back all or part of your debts over a set period.
• Debt Relief Order (DRO): Freezes debt for a year and be potentially written off.

If you want to learn more about other debt solutions, we recommend contacting a debt charity for some free advice. They’ll look at your situation in detail and help you make an informed decision.

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.

CRM Contact Details

Find below the contact details for Cerberus Receivables Management. If you have any other questions, feel free to reach out to them using any of the following methods:

References

1. Indebted Debt Collection Survey
2. Jubilee Debt Campaign