How to Respond to Calls From Central Debt Collection Services

Central Debt Collection Services is a division of Barclays Bank Plc and is based in Manchester. The company collects Barclays Bank's personal and business loans and manages Barclaycard accounts in arrears.

The solicitors from Central Debt Collection Services might contact you through phone calls, letters, or visit your premises, pursuing you to repay your debts. However, there are limits which the solicitor must operate within.

DoNotPay helps you understand how solicitors work and the extent they go while pursuing you. Subscribe to our services on our website and let us help you understand the working dynamics and how to deal with unnecessary calls from Central Debt Collection Services.

How Legitimate Is Central Debt Collection Services

Central Debt Collection Services is a legitimate debt collection company, a subsidiary of Barclays Bank plc. It is similar to Advantis debt collection which collects from people who have fallen behind on their debt payments. Central Debt collection services also collect debts on behalf of Barclays and their associated clients, and other companies they might have acquired debts from.

Use the following details to determine the legitimacy of Central Debt Collection Services

How to Spot a Legitimate Debt Collector

Imposters are rampant, and you need to learn how to spot one before you send money to a conman. Here are ways you can tell a legitimate debt collector apart from a con artist:

1. Withholding of contact information
2. Pressure you into paying a debt that you don't recognize
3. You did not receive a letter by post
4. The payment plan only includes a prepaid card and money transfer, and more payments
5. Solicitor threatens to give your debt information to a third party
6. Solicitor uses unwarranted tactics to push you into paying the debt, including scare tactics, threats, and emotional blackmail

Why Are Central Debt Collection Services Contacting Me?

Central Debt Collection Services will contact you through a phone call or letter if you owe them, Barclays Bank, or any other company that hires Central Debt Collection Services solicitor services.

Here are the most common types of debt that Central Debt Collection Services might contact you for:

• Loans
• Credit cards
• Council tax
• Parking fines
• Criminal fines
• Utility bills
• Her Majesty's Revenue and Customs (HMRC) debts

Central Debt Collection Services do not contact you without a plan. Here are reasons why you might receive a letter or phone call from the solicitors:

1. To Remind You of a Debt

You might have a delinquent loan with Central Debt Collection Services, Barclays Bank, or other Central Debt clients that you show no sign of acknowledgment of. The solicitors contact you to remind you of the debt and what is expected of you.

You should respond to the message by acknowledging the debt or denying the allegation.

2. To Gather More Information

Central Debt Collection Services updates debt information periodically to keep up with your account activities. The officers might contact you to discuss your repayment plan and your progress in reducing your debt.

The contact is an excellent opportunity for you to request a review of your payment plan to match your financial abilities. Produce evidence that supports your need for a more lenient repayment plan, such as

• Family composition, such as having young children or taking care of the elderly in your household
• Disease or disability
• Financial details such as declaring yourself bankrupt, unemployment, and significant salary cuts
• Inevitable expenditures, such as rent, utility bills, medical bills, insurance, etc.

3. To Give You a Final Verdict

Central Debt Collection Services updates debt information periodically to keep up with your account activities. The officers might contact you to discuss your repayment plan and your progress in reducing your debt.

How to Respond to Contact From Central Debt Collection Services

You can respond to Central Debt Collection Services by paying your debt as per the payment plan, disputing the debt in court, or writing off your debt. Here are some of the reasons a debt collector can accept to write off your debt

• Complete bankruptcy declaration
• Individual voluntary arrangement (IVA)
• Debt relief order (DRO)
• Minimal assets process (MAP) bankruptcy

Central Debt Collection Services might accept to write off your debt if

• They see no possibility of your repaying the debt at all
• There is tangible evidence that you are not in a position to sign a payment plan or pay the debt
• You have no assets that can be used to offset the debts

How to Respond to Contact From Central Debt Collection Services With DoNotPay

Solicitors are often very resilient and aggressive when collecting debts. However, there is no need to keep bugging you if you have already paid off your debt or have struck an agreement with the company.

DoNotPay has developed a tool that helps you terminate unnecessary contact with debt collectors, as shown in the following steps. If you want to cut communication with debt collectors and don't know what to do, start here:

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.

Here are other debt collection companies that DoNotPay can help cut communications with

• Provident
• Amigo
• Moorcroft
• Advantis
• Lowell
• Marston
• Department for Work and Pensions (DWP)

Other Services From DoNotPay

DoNotPay offers the simplest and most convenient way to deal with unnecessary calls from Central Debt Collection Services. Our services go beyond helping you cut ties with debt collectors; we offer all sorts of legal and administrative solutions through our robotic lawyer.

Each of the following services is well-designed to solve your issues in easy steps, requiring little or no guidance:

• Completing a living trust or advance directive
• Filing insurance claims
• Getting help with bills
• Report your landlord for tax evasion
• Submit a complaint to your HR department
• Cancel a subscription
• File freedom of information request

Sign up on our website today and let us transform your life with a few clicks of the button.