How to Stop 1253531214 from Calling You

Falling far behind on loan payments for credit cards, mortgages, auto loans, and other debts, will likely open the door to debt collection harassment. Fortunately, regardless of how much you owe, your rights are protected by the Financial Conduct Authority (FCA).

If you believe you are being harassed or treated unfairly by a debt collector calling from , DoNotPay can help you fight the harassment. We help you figure out whether your debt collector is compliant with the relevant guidelines concerning debt collections. Afterwards, we will contact the debt collectors with a demand letter on your behalf if we establish they have breached existing laws.

What Is Debt Collection Harassment?

Debt collection harassment refers to intimidation, abuse, coercion, or bullying to force consumers into paying off debt. Although harassment mostly happens over the phone, it can also come in the form of emails or talking to friends, family, or neighbours about your due debts. Incessant calls from unknown numbers like can cause anxiety and sleepless nights. DoNotPay knows which debt collectors use this number.

Is Debt Collector Harassment Legal in the UK?

Debt harassment is 100% illegal in the UK. Regardless of how many debts you currently have or how much you owe, a debt collector or a creditor harassing you commits a criminal offence.

Who Is Calling from 1253531214?

The belongs to Asset Collections and Investigations (ACI). ACI is a debt collection company that collects debts from delinquent borrowers. ACI may call you to recover debts for utility bills, parking fines, or credit cards. Treat missed calls from 1253531214 with a lot of caution, especially if you have no pending debts.

You can reach Asset Collections and Investigations through

Website	Contact Us and Help Centre
Phone Number	11253531214 01253531528
Post	ACI, Unit 10, Whitehills Business Park, Whitehills Drive, Blackpool, Lancashire, FY4 5LW
Usual Opening Hours	Monday to Thursday 8:30 am – 6:00 pm Friday 8:30 am to 5:30 pm

Why Should I Treat 1253531214 Calls with Caution?

In the past, several complaints have been raised from this number for the following actions

Harassment
Text message spam
Fake court letter

Should I Ignore Calls from 1253531214?

It is never a good idea to ignore calls from 1253531214. Ignoring them will likely lead to persistent calls and text messages. If the debt is not yours, take steps to solve the issue instead of ignoring the calls.

What Is Classified As Debt Collector Harassment?

The following is a list of things that constitute debt collector harassment

Phone calls before 8 am
Phone calls past 9 pm
Coming to your workplace to collect debts
Home visits
Nuisance class where a debt collector doesn't speak when you pick calls
Repeated calls or text messages throughout the week or day.

Can the Debt Collection Agency Tell My Family About My Debts?

Debt collection agencies are forbidden from disclosing your debts to other people. This means they cannot call or tell other persons that you have debt, including your family and employer. Any serious industry breaches can lead to hefty fines from the FCA.

What are the FCA debt collection guidelines?

The Financial Conduct Authority (FCA) has produced a set of debt collection and debt management guidelines listing the types of debt collection practices considered unfair. These guidelines don't apply to routine debt collection but are applicable to all accounts with missed payments or debts in arrears. The guidelines include

Types and tomes of when to contact customers
What to do and what not to do when collecting debts

Can My Debt Be Removed Due to a Debt Collector's Illegal Action?

No. Your debt will not be wiped because of a debt collector's harassment. If the debt collection agency is found culpable of breaking industry rules, your debt will likely be sold to another debt collection agency with an operating licence.

Do Debt Collectors Have Special Legal Powers In the UK?

Because debt collection agencies are not bailiffs, they lack extra-legal authority. Debt collectors typically act on behalf of your creditor, one working for a company that has taken a debt. Therefore, they have no special legal powers and can't do anything different from the original creditor.

How to Fight Debt Collector Harassment

The following are the DIY steps to complain about debt collector harassment

Gather evidence to prove that you have been subject to criminal debt collector harassment. This can be call logs, photos, videos, or witness statements.
Send copies of the evidence to the debt collection agency that shows they are guilty of debt collector harassment
Ask the debt collectors to stop their actions and request how they should contact you in the future
If they fail to react to your direct complaint within three days, complain to the Financial Ombudsman and the Financial Conduct Authority (FCA).
The FCA may be able to stop the debt collection agency from operating legally.

DoNotPay Can Help

Whether you were recently contacted or have been harassed for months, DoNotPay can help you determine whether your debt collector is compliant with debt collection laws. After guiding you through a series of questions, we'll help you decide which course of action you should take and contact the debt collectors with a demand letter on your behalf. If you choose to report the collection agency to a governing body instead, we'll file the complaint on your behalf.

The following are the steps to get you started

Search “debt collection” on DoNotPay.
Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.
Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to a professional trade association.

And that's it! Once you choose the course of action you want to take, DoNotPay will handle the rest. We'll deliver your request directly to the debt collectors via first-class mail or file your complaint automatically with the relevant trade association or ombudsman.

Get Help from DoNotPay

If a debt collection agency is harassing you, you should take appropriate action to stop the harassment. DoNotPay can also help you with other debt collection companies such as

DoNotPay can help you build a formidable case to protect your rights. Contact us today to learn more.

What Else Can DoNotPay Do?

Aside from getting help from debt collectors, DoNotPay also helps with other issues and can make your life easier.

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