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Zinc Group Credit Management Debt – Should You Pay?

Zinc Group Credit Management Debt Collectors

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

Fight back against Zinc Debt Collection and their debt letters with our support. If you are one of the latest UK residents to receive a Zinc Debt Collection debt letter, we have key information to help you.

You might not even have to pay!

It’s not your fault. Complaints to the Financial Ombudsman have risen this year from 830 to 2,006, so it’s safe to say that you’re not alone.

Deal with your debt today and feel amazing tomorrow.

Don’t worry, here’s what to do!

You could get rid of Zinc Debt Collection by writing off some of your debt.

There’s several debt solutions in the UK, choosing the right one can take years off your debt, but the wrong one can be expensive and drawn-out.

Fill out the 5 step form to get started.

Who Are Zinc Debt Collection?

Zinc Group Credit Management is a UK-based debt collection agency. Zinc Debt Collection has two main offices. One is based in Glasgow and the other is located in Stratford-upon-Avon. From here, they employ over 300 staff members and provide UK-wide debt collection services to recover unpaid payments, invoices and debt.

The company has been operating since 2008 and is fully regulated by the Financial Conduct Authority (FCA).

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Is The Zinc Group A Debt Collection Agency?

Yes, the zinc group are a debt collection agency and are a member of the credit services association. However, it’s important to note that although their objective is to recover payments when you owe money to a particular company, they are not bailiffs and cannot force entry into your home.

Who Do Zinc group collect for?

Zinc Debt Collection are debt collectors for a wide range of other companies. Their website states the main industries they offer their services to:

“a number of different sectors including Banking and Finance, Telecoms, Utilities, Insurance and Health Care, and Commercial debt.”

[www.thezincgroup.com]

But they have even been known to work for employers trying to get money from previous employees for unpaid money. See this online post for evidence:

“Today I received a letter from Zinc Credit Management saying they have been instructed to ‘assist in the resolution of my account’. The letter names my former employer as the client (a Ltd company) – who I stopped working for two years ago.”

[Legal Beagles Website]

Been Hit with a Zinc Debt Collection Letter?

Have you received a letter from this debt collector? I’ll buy it off you for £5

If Zinc Collections has your account, you presumably owe money. In most cases, your debt was owing to a separate creditor (which is why you may not recognise their name). They are a debt collection agency that pursues clients for payment on behalf of other businesses.

Zinc Debt Collection is known to send out debt letters asking for full payment for unpaid debts. These letters can come as a shock as you probably never encountered Zinc Debt Collection before.

As they are working for a company you have a genuine debt with the Zinc Debt Collection. Debt collection agencies shouldn’t be ignored, and this debt letter should be taken seriously.

On rare occasions, Zinc Debt Collection may make an admin error. But we have a way to deal with this situation too – read on!

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Don’t Ignore Zinc Debt Collection Debt Letters

If you’ve had a letter from Zinc Group ltd and you don’t recognise their name or the debt, you may feel like throwing the letter in the bin. This isn’t a wise move and can just make the situation worse.

Don’t ignore Zinc Debt Collection if you can’t afford to pay right now, because there are many debt solutions out there. The bottom line is that taking action is better than ignoring them in every situation.

Grab the Zinc Group Debt Collection letter back out of the bin!

Can Zinc Debt Collection Take My Valuable Items?

No, Zinc Debt Collection are a debt collection company, but they are not bailiffs. Only a bailiff can take your items to pay for the debt.

If a Zinc Debt Collection worker ever claims to have the ability to take your items to repay the debt, you should report them to the Ombudsman (more on this later).

Moreover, Zinc Group Debt Collection can only employ a bailiff if your debt has been to the courts first. This is usually the last step to claim back the money owed, but it is very serious. If Zinc Group or any other debt collection agencies manage to get a county court judgement, they can then send bailiffs to your home. This isn’t always possible if the debt is what’s known as statute-barred, but more on that later.

Stop Zinc Debt Collection Nuisance Calls

One of the worst experiences for anyone owing money is getting bombarded with calls, texts, emails and even home visits. People constantly contacting you to get a payment is a nightmare – but it is also illegal.

The Zinc Group Debt Collection is not allowed to continually harass you for the money. To combat this, you should inform them of the times you want them to call and the contact details you’d prefer them to use.

If they don’t stick to these times or send debt collectors, you can make a complaint and take your complaint to the Financial Ombudsman.

Can I ask Zinc Debt Collection To Prove My Debt?

Yes, you can ask Zinc to prove you owe the debt in the first place. The first step is to write to them to prove you really owe the debt. Do this even if you know you owe it. If they can’t prove it, there is no obligation for you to pay and they have to mark the debt as settled.

Follow my ‘prove it’ guide with letter templates and get them to prove that you owe the money.

You can send them a prove the debt letter and request some form of signed proof that you entered an agreement that went unpaid. This is also a fantastic trick if you think there has been an error.

If they made a mistake, Zinc Group Limited will soon realise their mistake by being unable to supply proof you owe the debt!

But what if they supplied proof or sent you the proof after you requested it?

At this stage, it is best to look at your options for repayment. If you can’t pay the full amount in one go, there are other options:

  • Agree on a repayment plan with Zinc Debt Collection
  • IVAs
  • Debt Management Plans
  • Debt Relief Orders
  • Bankruptcy

You don’t need to know about all of these right now. Further information can be found at the Money Nerd debt options page. Or you can get support from UK debt charities.

What Are My Options With Zinc Debt Collection Solutions?

At this stage, it is best to look at your options for repayment. If you can’t pay the full amount in one go, there are other options:

  • Agree on a repayment plan with the Zinc Group
  • IVAs
  • Debt Management Plans
  • Debt Relief Orders
  • Bankruptcy

You don’t need to know about all of these right now. Further information can be found on the Money Nerd debt options page. Or you can get support from UK debt charities such as the Money Advice Service.

When You Don’t Have to Pay Zinc Debt Collection

Most of the time, debtors will have to find a way to pay back their debts. But there is one legal loophole that can stop Zinc Debt Collection from sending debt collectors and even preventing you from having to pay any of the money.

Some old debts are called statute-barred debts. As mentioned earlier, this means they cannot be taken to the courts to get a CCJ that makes you pay. Although the debt is not wiped away, there will never be a legal obligation to pay.

For your Zinc Debt Collection debt to be statute-barred, it needs to be at least six years old and you will need to have made no repayments in the last six years.

FAQs

Do Zinc buy debts?
No. Zinc do not buy debts. They are a recovery agent meaning that they will work for their clients in recovering debt from consumer who have missed payments or refuse to pay.
Do Zinc send bailiffs?
No. Zinc are not bailiffs and cannot act with any legal powers. They may however seek a CCJ in which case court bailiffs may be employed to help recover the debt.
Who called me 01412309003?
The company that called you from 01412309003 is Zinc Group. They are a debt collector who will be calling to recover debt from you. Calling you may not always mean the debt is yours…
How can I get in touch with Zinc Group?
If you want to talk to someone at the Zinc Group about managing your debt, or you’ve got any other questions, you can get in touch using these details:

Company Name: The Zinc Group Ltd.

Other Names: Zinc Group, Zinc Recoveries, Zinc BPO Ltd., Zinc SLM, Zinc Solutions, Zinc Credit Consultancy, Complete Credit Consultancy

Address:
Kings House
4 Elm Court
Stratford Upon Avon
CV37 6PA

Main Contact Number(s): 0141 301 1055

Fax: 0330 1000 851

Website: http://www.thezincgroup.com

Email: [email protected]

Opening hours:
Monday–Thursday: 8.00am–8.00pm
Friday: 8.00am–4.00pm
Saturday: 9.00am–12.00 noon

Complain About Zinc Debt Collection

Unfortunately for people in debt, not every debt collection agency plays by the rules all of the time. If you think Zinc Debt Collection is harassing you or violating other industry rules, you should complain about their actions.

If that doesn’t work, take your complaint further by speaking with the Financial Ombudsman or the Financial Conduct Authority. They have the final say on Zinc Debt Collection and if they have treated you wrongfully. Make sure you have their trading address and registration number on hand.

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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