Free Independant Advice
Specialist Insolvency Practitioners
Are you constantly receiving calls from unknown phone numbers? Are you facing financial difficulties and being hounded by debt collectors with unwanted calls? It’s essential to determine if those calls are from bailiffs or debt recovery agencies.
Discover a comprehensive list of phone numbers associated with debt collectors and bailiffs to determine those missed phone calls easily. However, you must understand your options before engaging with any bailiff or debt recovery agent.
If you’re dealing with a debt collection agency in the UK, you must be aware of your rights to avoid nuisance calls. We strongly recommend consulting a debt advisor and a reverse phone lookup service at no cost who can guide you through your available solutions and determine if these could be a scam call.
Certain debt advisors may even help you qualify for a legal write-off of up to 85% of your debts. So no need to avoid telephone numbers you don’t recognise. Don’t hesitate to reach out and explore your options today.
Below is an extensive compilation of phone numbers for Debt Collectors and Bailiffs operating within the United Kingdom.
Debt collectors may come after you for one of two reasons:
A creditor has enlisted the services of a debt collector to pursue the outstanding amount on their behalf.
These are not marketing calls but rather debt-collecting jobs.
A creditor has sold your debt to a debt recovery firm.
In either scenario, being well-informed about your rights and the limitations imposed on debt collectors is crucial to avoid unsolicited calls.
Debt collectors are prohibited from engaging in the following activities:
Debt collectors cannot reach you through social media platforms like Facebook, Instagram, Twitter, or other social profiles.
Debt collectors are prohibited from leaving missed calls or contacting you at work.
Debt recovery companies are forbidden from disclosing your debt situation to others, including colleagues at work or individuals contacted through your home telephone.
Debt collectors can only contact you between 8 am and 9 pm on weekdays.
They are not allowed to contact you on weekends or bank holidays. But you might get a recorded message for you.
It might be a good time to get a reputable phone number search service provider.
According to debt collection guidelines, the maximum additional charge a debt collector can add is 8%. Any attempt to impose a higher percentage is not permitted.
Debt collectors are not allowed to make false statements or threats of legal action to intimidate or instil fear in you, even when using an unknown phone number. If encountered, such behaviour should be reported to the appropriate regulatory authority, such as the Financial Conduct Authority (FCA).
Pressuring you to make immediate payments: Debt collectors must work within your affordability and consider realistic repayment options. They should not exert undue pressure on you to make immediate payments.
When an unknown caller appears, the common question is, “Who’s calling me?” ‘Can I block unwanted calls?’
This concern becomes more prominent when being pursued by debt collectors and bailiffs, as some may conceal their phone number owner or call from mobile numbers.
Before paying debt collectors, seeking advice and understanding your rights is essential. We recommend watching the following video, which provides valuable insights into the eight things debt recovery companies in the UK are prohibited from doing.
When dealing with debt collectors, the best approach is to cooperate with them to the best of your ability. Avoiding or ignoring the situation typically exacerbates the problem.
It is crucial to verify that the debt being pursued is indeed yours. Once you have confirmed your responsibility, seek assistance from a debt advice service and work with the debt collectors to establish a mutually agreeable resolution.
Remember that debt collectors do not possess the authority to forcibly enter your home or pressure you into paying more than you can realistically afford.
Ignoring debt collectors is never a recommended course of action, regardless of the circumstances. Disregarding their attempts to contact you will not halt their pursuit, even if you believe the debt is not your responsibility.
If the debt is yours, ignoring debt collectors can exacerbate the situation and provide them with grounds to escalate their actions against you. It may result in additional interest and charges, further increasing your debt.
Taking proactive measures to address the situation is crucial. It is advisable to assume control by seeking assistance from a debt expert and promptly resolving the matter.
No, refusing to engage with a debt collection agency is not advisable.
Doing so can escalate the situation, potentially resulting in a more significant debt and more severe actions being taken against you. The most prudent course of action is to address your debt concerns by seeking guidance from a professional advisor.
Typically, debt collectors in the UK have six years to pursue outstanding debts. However, it’s important to note that certain types of debt, such as mortgages, may have an extended time limit of up to 12 years.
Specific rules must be adhered to to maintain the validity of these limitation periods. If you make a payment towards your debt or acknowledge it in writing, the limitation period will be reset.
If your creditor has not contacted you regarding the debt for six years, the debt can be considered unenforceable.
Indeed, debt collectors retain the right to refuse your payment plan.
Typically, debt collection agencies operate on behalf of the original creditor to whom you owe money. Consequently, the decision to accept or decline your proposed payment plan rests with the creditor.
If debt collectors or creditors reject your chosen payment plan, seeking assistance from a debt help service is recommended.
They can communicate with the collection agency or creditors on your behalf to negotiate and explore alternative repayment options.
Yes, a debt collection agency can take legal action against you if they are the rightful owner of your debt. However, if they are acting on behalf of your creditor, the creditor would decide to pursue legal proceedings.
Going to court is typically considered a last resort when all other avenues for debt recovery have been exhausted, and the debt collectors believe that legal intervention is necessary to compel payment.
If you suspect that a debt collection agency is considering legal action, it is advisable to seek debt advice from a professional service.
They can assist you in establishing a repayment plan to regain control of your debts and act as an intermediary to negotiate with your creditors on your behalf.
Debt collectors employ various methods to find and establish contact with individuals. One primary approach involves reviewing credit reports containing basic contact information, which may include your address.
Additionally, debt collectors might search government databases or contact relevant government agencies to access your details. There are instances where individuals have provided their information in online forms or surveys, which debt collectors can access as third parties.
Debt collectors possess certain rights, although some practices may appear aggressive. If you genuinely owe the debt they are pursuing, you cannot prevent them from contacting you.
However, debt collectors are prohibited from discussing your debt with anyone other than yourself. They are also not allowed to intimidate you or provide false information to coerce payment.
If you suspect a debt collector is engaging in prohibited activities, it is essential to report them accordingly.
When assessing your credit report and evaluating your outstanding debts, you must familiarise yourself with the various debt solutions.
Below, you will find an overview of the available debt solutions based on your location within the UK:
Here is a list of all the Debt Collector and Bailiff Phone Numbers in the UK.
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