How to Stop Harassment from Shire Recoveries Debt Collection

Stop Debt Collectors How to Stop Harassment from Shire Recoveries Debt Collection

How to Deal With Shire Recoveries Debt Collection

Repeated calls and letters from a debt collector can be extremely stressful. If you're in this situation, and you need to know how to deal with Shire Recoveries Debt Collection, you've come to the right place.

You do have rights, and you need to know how to protect yourself. We'll walk you through your options and the best ways to respond without putting yourself in danger. If you would like someone to make the process easier, DoNotPay is here for you.

Who Is 01827 68939, and Why Are They Calling Me?

Calls from Shire Recoveries Debt Collection may show up as 01827 68939. While you shouldn't ignore calls from debt collectors, it's a good idea to know a few things before you pick up the phone.

To prepare yourself to deal with Shire Recoveries Debt Collection, first you need to know a few of the reasons why they might be calling you.

  1. To validate the debt. The initial part of many debt collectors' process is to send out collection letters to anyone who seems to match the information they have. That means that a decent number of people who get a letter have been misidentified. They follow those up with a phone call to identify the right person and start making a plan to collect on the debt.
  2. To collect payment. They will try to convince you to pay the debt on the spot.
  3. To pressure you. Getting a call from debt collectors is stressful, and they count on that to make you more cooperative.

Frequent contact from a company like Shire Recoveries is to be expected. They want you to feel like you have no choice but to pay up. And it's true that they have legal resources if you don't pay the debts you owe (more on that later), but you need to know the facts before you pay up.

That said, it's never a good idea to ignore communications from a debt collecting company. If you don't respond to them, they can escalate their efforts, which can lead to other negative consequences, such as legal action or lowering your credit score.

You may be wondering why Shire Recoveries is contacting you about a debt you have isn't with them. They work on the behalf of other companies, collecting their debts.

How to Contact Shire Recoveries Debt Collections

If you're ready to contact Shire Recoveries debt collection, here are all the ways you can get in touch with them.

By Post1 Calico Business Park,

Sandy Way, Amington,

Tamworth, Staffordshire, B77 4BF

Phone01827 300 326

9am to 5pm Monday through Friday.

Emailinfo@shirerecoveries.co.uk
Fax00182 768 672
OnlineYou can contact them through their website.

Is Shire Recoveries Debt Collection a Scam?

It's wise to be cautious about dealing with a collections company you haven't heard of. However, Shire Recoveries is a legitimate company. They are registered with Companies House and are a member of the Credit Services Association.

What Happens If I Don't Pay My Debt to Shire Recoveries?

It's important to respond to the phone calls from Shire Recoveries, because their efforts will only escalate if you don't. If a debt recovery service like Shire Recoveries has tried writing letters and calling with no response, they can visit your home. If that doesn't work, they can add fees to the amount owed. They can also involve the courts in the following ways:

  • Seek a County Court Judgment, demanding payment
  • Issue a statutory demand, which can lead to bankruptcy. Usually only used on debts greater than £5,000.
  • Involve bailiffs to claim your possessions to meet your debt.

Has Shire Recoveries Violated My Rights?

Debt collection services are subject to laws about how they behave. They aren't allowed to:

  • Seize payments without permission
  • Refuse to allow you time to consider next steps after you've contacted a debt advice agency
  • Pressure you to borrow money to pay off a debt
  • Confuse you with legal language
  • Insist on payment when a debt is too old to enforce, or statute barred
  • Call at unreasonable times (very late or early, for instance)
  • Contact you in ways you don't prefer if you have an agreement with them
  • Contact you at work if you've told them to stop or haven't given permission
  • Talk to your family or employer about your debt

If you feel they have violated your rights in any of these ways, you can send complaints via the contact methods outlined above. Be sure to keep copies of all correspondence.

When Should You Make a Customer Service Complaint 

You may want to make a complaint about the debt collection agency. If they have done any of the above actions, you have reason to object. You can also complain if:

  • The debt isn't yours
  • They are asking you to pay more than you owe
  • You are being harassed
  • You're in financial trouble and the business isn't working with you
  • The debt isn't legally enforceable

If you've determined that you have a valid complaint, and you can't get a satisfactory response from Shire Recoveries, there are a few other things you can try.

Alternative Dispute Resolutions (ADR)

The Financial Conduct Authority (FCA) offers ADR schemes to help settle disputes between consumers and businesses without going to court.

Financial Ombudsman Service

If you have already spoken to Shire Recoveries, and they have not given you a satisfactory answer within eight weeks, you can contact a financial ombudsman service. They will look at your case and determine if your rights have been violated.

How Long Will Shire Recoveries Attempt to Collect?

There are rules in place to limit how long businesses can take to collect debt. According to the Limitations Act of 1980, they only have six years to collect on most debts and twelve years to collect on specific mortgage shortfalls.

It's important to know that those six years start over if you make any payment or acknowledgement of your debt. So if you send a letter agreeing to a payment plan, that clock starts over, even if you never make a payment.

Use DoNotPay to Deal With Shire Recoveries Debt Collection

If you're struggling to deal with Shire Recoveries debt collectors, you already know how stressful it can be. You don't have to struggle alone any longer. DoNotPay makes it simple to explore your options and come up with solutions that work. All you have to do is answer some questions, and we will let you know the best way to move forward.

We can contact debt collectors with a demand letter written on your behalf, and if you need to report a collection agency to a governing body, we can file that complaint for you as well.

Here's how to get started with DoNotPay:

  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.

     

It's just that easy. You decide what you want to do next, and DoNotPay will make it happen. Your request will be sent to the debt collectors by post, or we will file the complaint directly with the ombudsman or trade association.

We can help with more than just Shire Recoveries Debt Collection, too. DoNotPay is also set up to work on your behalf with many other companies, including:

What Can DoNotPay Do For You?

Debt problems are just the beginning. DoNotPay was created to put power back in the hands of the consumers, so you don't have to feel helpless when dealing with problems such as debt collectors. We can also help you deal with many other problems, such as:

DoNotPay can help you fight these battles and many more. Try it now.

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