How to Deal With Controlaccount Debt Recovery and Protect Yourself
Most people live in debt due to the tough economic times in the United Kingdom. According to UK Personal Debt Statistics, about 63% of adults had debt in 2019. Defaulting on debt payments has several consequences, such as calls, home visits, and harassment from debt collectors.
An example of a debt collection agency in the UK is Controlaccount. The company has been collecting commercial debts for decades. If you have ever received a letter, you know their stressful debt recovery process.
Dealing with debt collection agency harassment is challenging. Fortunately, DoNotPay can help you counter the pressure and unnecessary harassment Controlaccount puts on you to recover a debt. It also lets you verify if the debt collection company is legitimate and compliant with Financial Conduct Authority (FCA) guidelines.
What Is Controlaccount? Is the Company Legitimate?
Controlaccount is a UK debt collection and recovery agency. In addition, the company offers other services such as credit management, risk management, business support services, receivables management, and outsourcing. Most companies hire from customers.
What Happens if I Fail to Pay My Debt?
Ignoring paying debts has serious consequences. You can receive a recovery letter from Controlaccount because a creditor has submitted your details to the agency for collection. Clearing your debts saves you a lot of trouble. It is advisable to act accordingly within the shortest time possible.
If you do not respond or take any action, you can be charged in a court of law and deal with law enforcement agents. The agency may also send debt collection officers to your home.
Avoiding Debt Collection
You can seek help from a debt advisor to examine your debts and provide a reference number. Doing this will prevent the creditor from chasing you or visiting your home. Another step is to contact the agency to verify your debt and schedule a payment plan. You can also dispute debt collection or pay the amount owed.
How Long Can Debt Collectors Pursue Me?
The statute of limitations prohibits debt collectors from suing defaulters if the debt remains unpaid for a certain period. However, this depends on the type of debt. The period can last between three to twenty years.
In the UK, debts over six years old are statute-barred, and you should not pay if:
- You have been making partial payments for six years
- You have not made any payment in six years.
This means that the courts cannot enforce the debt. Although the debt collector might coerce you to pay the debt, they cannot sue you for defaulting on the debt. In essence, the limit is applicable from the last time you contacted the creditor.
Has Controlaccount Violated My Rights?
The Fair Debt Collection Practices Act highlights what Controlaccount should do and what to avoid during debt recovery.
Examples of violations include:
- Frequent Calls Despite Notification
You can write a letter explaining that you no longer want Controlaccount to contact you. Continued calling despite the notification is a violation of your rights. The agency also oversteps your rights if they know you are prohibited from receiving calls at work but keep calling you. You have the right to take legal action against the agency for harassment.
- Sharing Details About Your Debt
You have the right to privacy. Controlaccount should not disclose information about your debt to third parties such as friends, colleagues, and family members to get your details during debt collection.
If you feel that Controlaccount has infringed your rights, you can make a complaint through the following:
|Email Addressemail@example.com or|
|Phone Number||01527 388 388|
|Contact Form||Log Query|
How to Get Debt Help Using DoNotPay
Easing Controlaccount debt recovery pressure by yourself is stressful and frustrating. Fortunately, DoNotPay can help if you have received a debt recovery letter or if Controlaccount field officers have harassed you.
DoNotPay helps you verify whether Controlaccount complied with debt collection laws and files complaints on your behalf in case of harassment. It is the most efficient solution in case you encounter Controlaccount Debt Recovery.
Follow the simple steps below to get debt help:
- 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.
What Else Can DoNotpay Do For You?
DoNotPay is committed to assisting users on various legal and social issues in the United Kingdom. The AI-powered lawyer can help you deal with other collection agencies and can assist you with regard to debt recovery.
Some of the related debt recovery concerns that DoNotPay can assist you with include:
- Moorcroft debt recovery
- DWP debt management
- Lowell financial
- Advantis debt collection
- Amigo loans refund
DoNotPay offers hundreds of various services designed to help ease your stress and frustrations.
Some of the social and services it offers include:
- Help with bills
- Finding missing money
- Improving credit limit
- Filing complaints
- Getting free trials
- Sorting issues in the Small Claims Court
- Paying bills online
with DoNotPay to ease Controlaccount debt recovery pressure and harassment.