How to Negotiate With AllPay Debt Collectors

Many debt collection companies will go to great lengths to intimidate customers to clear their records. Many reports of being called multiple times a day, at odd hours of the night, and threats of legal action are not uncommon.

AllPay Debt Collectors is such a company that may resort to such tactics. If you find yourself in the situation of having to deal with this company, it's important to know your rights. In this article, we will discuss the actions to take if you are receiving nuisance calls from AllPay and need to dispute the debt they have on record for you. DoNotPay can expedite this process by having you answer a few simple questions to file a complaint on your behalf.

Who Is AllPay Debt Collectors and Why Are They Calling You?

AllPay is a debt collection agency that receives payments from customers with outstanding accounts. AllPay manages the payment process until the debt is cleared. AllPay doesn't buy debt and is connected with a wide range of companies.

If you are being contacted by AllPay, it means you have an outstanding debt on record with them from a previously unpaid bill. However, if they are harassing you for payment, they may be violating your rights, and you can register a formal complaint against them.

Is AllPay a Legitimate Company?

AllPay is not a scam and is a legitimate debt collection company that features many ways to settle debts including a personalised swipe card or barcoded bill. They can receive payments via direct debit, internet payments, telephone, SMS text message, AllPay app, or over the counter at any PayPoint or Post Office.

What Happens if You Ignore AllPay's Letters and Calls?

Ignoring AllPay's attempts to contact you is not a wise decision, as ignored debts do not disappear. If you continue to ignore their messages, you risk AllPay taking further action against you. They may even send a debt collection field agent to your home if you fail to pay. However, they cannot legally enter your home without permission. They also must leave if you ask them to.

AllPay can take any or all of the following actions against you if you do not acknowledge your outstanding debt with them:

• Issue a County Court judgement against you
• Send bailiffs to recover items that cover the value of the debt
• Apply for an attachment of earnings, or charging order.

If you fail to make your payments, AllPay could even apply to the courts to have the debt secured against your home.

What AllPay Cannot Do to Collect From You

AllPay, like all other debt collection companies, must follow a code of conduct as a member of the Credit Services Association. They cannot chase you for payment needlessly if you make the attempt to work with them. Additionally, they are not allowed to do the following:

1. Call you at unreasonable times
2. Contact you at work without your permission, or after you've informed them to stop
3. Discuss your debts with a family member or employer
4. Take payments without your permission
5. Pressure you into paying off a debt with borrowed money
6. Use legal language against you to confuse you
7. Demand payment after the debt has become statute-barred and too old to enforce after six years in England and five years in Scotland. This time begins from the last time you made a payment against the debt or acknowledged the debt in writing.

How to Work With AllPay to Settle Your Unpaid Debt

The first step in working with AllPay to stop their frequent attempts at contacting you, is to establish if you really owe the money they claim you do.

1. Send them a "Prove It" letter to request proof of your debt and where it was incurred.
2. AllPay must reply with written evidence of the outstanding debt owed and where and when it was incurred.
3. Contact AllPay to discuss an affordable way to clear the debt if they were able to prove you incurred it.

What if You Can't Afford to Pay AllPay Anything?

If you are unable to afford to pay your debit, there are measures you can take.

• Debt Management Plan - An informal agreement to help you manage to make affordable monthly payments.
• Debt Consolidation Plan - Consolidates all your bills into one affordable monthly payment plan.
• Minimal Asset Process (MAP) - A cheaper form of bankruptcy for low income clients. This plan may help you get your debt written off.
• Debt Arrangement Scheme - Helps you replay your debt at an affordable rate.
• Bankruptcy - Clears all of your debts but severely impacts your financial history.

What if AllPay Continues to Harrass You?

If AllPay doesn't stop calling even after you've made an attempt to clear your debt, you can take the following actions against them:

• Collect evidence of the harassment by noting the number of calls with dates and times. Write down what was said to you each time and with whom you spoke with.
• Write a formal letter of complaint and include the above call log. Tell them how you prefer to be contacted in the future and ask them to confirm this in writing. They will have three business days to respond informally by phone or email. They must also report your complaint to the Financial Conduct Authority (FCA).

If none of the above actions are successful, you can register complaints with the following agencies:

1. Trading Standards. Call 0300 330 1313 between 9 am and 8 pm Monday to Friday.
2. Financial Ombudsman Service
3. Financial Conduct Authority (FCA)

If the above entities fail to help your situation, you can file a lawsuit against AllPay in small claims court.

How 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 determine what 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.

Here's how to get started:

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.

DoNotPay can also help with the following lenders and creditors:

• Advantis Debt Collection
• Provident Loans Refunds
• Moorcroft Debt Recovery
• Lowell Financial
• DWP Debt Management
• Marston Group Holdings
• Amigo Loans Refunds

What Else Can DoNotPay Do?

Not only can DoNotPay help you with bothersome debt collection companies, they can solve many other common situations, including:

• How to get cash back from gift cards
• Negotiate a hotel bill
• How to appeal a parking ticket in any city
• How to use burner phones to bypass phone verification
• File warranty claims to save money on repairs
• Sue anyone in small claims court
• Get help with bills
• File a complaint against any company
• Cancel any service or subscription
• Increase your credit limit

With hundreds of thousands of cases solved, DoNotPay's proven solutions clearly level the playing field for everyone. They cut through bureaucratic red tape, so you don't have to waste your time and money to fix many of life's everyday annoyances.