How to Stop Debt Collection Calls From 3445560212

It happens nearly every day, and sometimes multiple times a day. Someone is ringing you from the number 3445560212. Who could it be? It turns out, this is a number associated with Cabot Financial UK, and they're most likely trying to collect a debt from you. If they're calling you several times a day, it counts as creditor harassment. If you are unsure how to deal with it, DoNotPay's Debt Help UK product can help you put an end to it.

Aside from Cabot Financial, DoNotPay can also help you with other debt collection agencies:

• Moorcraft
• DWP debt management
• Advantis
• Marston
• Lowell
• Amigo

About Cabot Financial

Cabot Financial UK states on their website that they are the largest debt purchase company in the UK, and a founder member of the UK Debt Buyers & Sellers Group. Debt purchasing is just as it sounds: the company purchases bundles or portfolios of unsecured credit card loans and other types of debts from other companies, such as banks, telecoms, utilities, and retailers.

These debts are often purchased for pennies on the dollar from companies and organisations seeking ways to improve cash flow and reduce balance sheet liabilities. The debt purchaser then pursues the holders of these debts for the full value. Hence you get calls from phone numbers like 3445560212.

While debt purchasing is legal in the UK and third-party companies such as Cabot Financial and Provident, are permitted to contact you for a variety of reasons, there are a number of activities debt collectors engage in that are a violation of your consumer rights.

Here’s how you can connect with Cabot Financial if you have any questions

What Creditors Can Legally Call You About

Creditors are allowed to contact you in order to request a payment or to remind you about payments, provided they do so at a reasonable time of day. They can also take court action against you in order to collect on an unpaid debt.

Five Things Creditors Aren’t Allowed to Do

Creditors, whether the original company you obtained a loan or services from or a third-party debt purchaser, are not allowed to harass those who owe them money. Here are five common debt collector tactics that are against regulations:

1. Contacting the debt-holder multiple times a day or at odd hours, such as early in the morning or late at night.
2. Pursue the debt through your social media accounts, such as Facebook or Twitter.
3. Threatening you physically or verbally.
4. Telling someone else about your debt, or using someone such as a neighbour or friend to pass messages about your debt to you.
5. Leading you to believe that being in debt is a criminal offence. (Most of the time, it isn't.)

Putting a Stop to Harassing Phone Calls on Your Own

If you have suffered phone harassment from a debt collector, you can stop these harassing phone calls through:

1. Complaining to your creditor about the harassing phone calls and demanding that they stop. Your complaint should provide a preferred method for the creditor to contact you in the future, and warn them that debt collector harassment is a criminal offence and legal action can be pursued against them if it doesn't stop.

2. Complaining about the harassment to a professional body, such as the Financial Ombudsman Service, which can investigate your complaint. If this organisation determines through the investigation that you have been treated unfairly, they will ask the business to make things right. Complaints can be made online or by calling the Financial Ombudsman Service at 08000234567.

DoNotPay Can Help Stop Debt Collectors in Their Tracks

The problem with attempting to stop debt collector harassment on your own is that it is often difficult to determine who exactly holds your debt or with whom you should direct your harassment complaint. Additionally, if you seek assistance from the Financial Ombudsman Service, they will want you to attempt to communicate with the debt collector directly before coming to them, essentially putting you back at square one.

Fortunately, DoNotPay can help you determine if the behaviour of a debt collector is compliant with Financial Conduct Authority (FCA) guidelines, and can even help you determine the appropriate action to take to deal with your situation.

Do you want to stop phone harassment by debt collectors? Simply follow these three steps

1. Search “debt collection” on DoNotPay.

2. 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.

3. 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.

What Else Can DoNotPay Do?

Stopping debt collector harassment is an important way to preserve your peace and allow you the opportunity to determine how to deal with debt without pressure. DoNotPay can provide several other services to help make the tasks you have to deal with easier, less time-consuming, and even less expensive.

Take a look at some of our other products by visiting the pages below:

• Small Claims Court
• Help with Bills
• Free Trials
• Missing Money
• File a Complaint
• Cancel Subscriptions and Services
• Increase Your Credit Limit
• Pay Bills Online

Want to know more about what you can do with DoNotPay? Sign up today and have an awesome robot lawyer at your disposal.