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Yuill and Kyle Debt – Should You Pay? 2022

yuill-kyle

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

Have Yuill and Kyle Debt Recovery started chasing you for a Scottish debt? Do you know about the debt or think they have the wrong person? Whatever your situation, we provide clarity and guidance on how to deal with Yuill and Kyle debt letters. 

Keep calm and read on!

Beating Debt Collectors

There are several ways to deal with Yuill and Kyle 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 Yuill and Kyle Debt Recovery?

Yuill and Kyle Debt Recovery is a law firm specialising in debt recovery in Scotland. The business works for other businesses to collect account arrears and unpaid debts. 

They provide a debt recovery service before a case goes to court, by sending the debtor letters and making legal threats. As lawyers, they can also advise their clients on the litigation process and represent them if they do decide to take further action. 

This is a bit different to most debt collection agencies, which typically only help in the stages before legal action is taken. 

Who do Yuill and Kyle Debt Recovery work for?

If you check out the testimonials page on the Yuill and Kyle Debt Recovery website, you’ll see reviews from a wide range of companies and even sole traders. 

This shows that they can collect debts for a multitude of businesses stretching over different industries. But as a Scottish debt collection group, they’ll only provide their services to collect Scottish debts. 

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Yuill and Kyle Debt Recovery reviews

Yuill and Kyle Debt Recovery have some poor reviews online. But unlike other debt collection groups that receive a lot of bad reviews from the debtor, this company is also receiving many bad reviews from their clients. 

Here is a look at what both groups are saying about the company: 

“I wouldn’t bother using this company unless you want to spend a fortune for nothing, if you have a debt in Scotland, these guys are a waste of time and don’t give you any indication of cost.”

  • Cural ltd (Google review)

“Total cowboy debt collection scum. Sent me a summons for a young girl with the same name as me. I told them [they had the] wrong person but the young girl got a decree against her.”

  • John N (Google review)

Have you received a Yuill and Kyle debt letter?

Yuill and Kyle Debt Recovery will make contact with you in multiple ways. The most important communication you’ll receive from them is a Letter Before Action (LBA).

An LBA is a letter giving you an opportunity to pay a debt by a fixed deadline. They’ll then state that not paying by this deadline will or could result in legal action. Their client may decide to take you to court if you don’t pay and ask a judge to issue you with a court order to pay.

Ignoring a court order can lead to enforcement action, including the use of bailiffs. So it’s best to avoid legal proceedings when possible. 

Will Yuill and Kyle take me to court?

It’s always unknown whether Yuill and Kyle, or more precisely their client, will take you to court. Some clients may have the intention and desire to take you to court, especially if you owe a lot of money. 

But sometimes any legal threats are only made to make you panic and pay the debt quickly. Unfortunately, even empty legal threats are effective and many people simply feel intimidated and pay.

Do I have to pay Yuill and Kyle Debt Recovery?

You may have to pay Yuill and Kyle Debt Recovery in the end, but there are things you can do to delay having to pay. Some of the things you can do may even stop you from ever having to pay Yuill and Kyle Debt Recovery. 

Keep scrolling for more info on this!

How to reply to a Yuill and Kyle debt letter

Don’t ignore Yuill and Kyle letters, even if you think there has been a mistake. You can reply in one of two ways, depending on your circumstances. This will delay the potential of court action or it could stop you from having to pay at all. 

Prove the debt letter template

Most people should ask Yuill and Kyle Debt Recovery to prove that they owe the debt. When your request this proof, they must send you evidence of the debt for you to have to pay. This evidence should be a copy of an agreement you signed when suitable. If they don’t provide this proof, you won’t have to pay until they do.

There’s a slight chance that they won’t supply the proof but later you’ll be taken to court. If this happens you should show the judge evidence that you asked for proof of the debt and that Yuill and Kyle Debt Recovery didn’t supply it. 

Download our free prove the debt letter template to make asking for proof of the debt quick and easy!

Check your debt isn’t statute barred first!

Before asking for proof, you might want to check that the debt hasn’t become too old to be collected in the eyes of the Scottish courts. Many Scottish debts become too old after five years, as a way to stop the courts from becoming overrun with old debt cases. 

When a debt is too old to be collected, you can inform Yuill and Kyle that this is the reason you won’t be paying. Be aware that this doesn’t automatically mean the debt is written off, but you can ask for it to be wiped. 

Speak with StepChange Scotland for more info and help with this!

Yuill and Kyle sent me proof – what next?

If they send you evidence that you owe the debt, it’s a good idea to pay or agree on a payment plan. If you don’t you could be taken to court. It’s a risk to assume you won’t be.

Debt charities are here to help!

You don’t have to deal with debt collection groups on your own. As well as the valuable information freely available on our debt centre, there are also great Scottish debt charities offering free and confidential support. 

Don’t hesitate to reach out!

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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