Did EquiDebt Debt Collection Contact You? Here's How to Go About It!

Founded in 1992, EquiDebt has quickly established itself as a leading debt recovery solutions provider, delivering debt collection services to the finance sector with a highly ethical approach.

If EquiDebt debt collection has contacted you, you probably owe money to a creditor who has sought the services of EquiDebt to get you to settle your account. On behalf of your original moneylender, EquiDebt will chase you to pay your debt. If you ignore their requests, they could send their field agents to your home. Although not legal, debt collectors can violate your consumer rights to secure their payments.

If you still don't acknowledge their requests, EquiDebt might take you to court and issue you with a County Court Judgement (CCJ). This gives them the power to have bailiffs sent to your property to recover goods whose value equals that of your debt. They could also legally file for a charging order or an attachment of an earnings order.

All that sounds too crushing for any individual's emotional and psychological well-being. It's therefore prudent to find ways to protect yourself against unfair debt collection practices. DoNotPay has developed a Debt Help feature that does all the nerve-wracking, so you don't have to. It is fast, easy to use and highly effective for anyone.

Is EquiDebt Debt Collection a Legitimate Company?

EquiDebt is a debt collection service provider in the UK. It is, however, not authorised by the Financial Conduct Authority (FCA). If EquiDebt has contacted you, it's advisable not to ignore them because they won't stop contacting you. To avoid the possibility of EquiDebt taking legal action against you, you could get in contact with them and ask for time to review your debt management options. Their code of conduct allows you that time.

EquiDebt Limited Contact Information

If you'd like to get in touch with EquiDebt debt collection services for inquiries or to discuss payment of your debt, you can do so via:

What Happens if You Don't Pay Your Debt to EquiDebt Debt Collection?

Ignoring any contact made by EquiDebt on behalf of your original creditor is not the best idea. EquiDebt can escalate the matter to bailiffs. Bailiffs have more power than both EquiDebt and your actual lender. They are allowed by court order to visit your home and take possession of any assets you may have to pay off your debt.

It's therefore advisable to seek professional advice if EquiDebt makes calls to you before the court is involved. The longer you wait it out in the hopes of them letting you go, the less favourable the outcome might be.

Is EquiDebt Harassing You?

All debt collection agencies must abide by the guidelines set out by the Financial Conduct Authority. EquiDebt, as a member of the Credit Services Association, must also act per the CSA code of conduct.

You can consider the following as harassment:

• EquiDebt agents phone you during unofficial business hours
• If they contact you in a way that doesn't meet the preferences you've agreed to with them
• Disclose the terms of your debts to a family member or your employer or any third party
• They receive any payment without informing you
• Deny you time to consider your debt repayment options after you've sought professional advice
• Pressure you into paying off a debt
• Demand payment for a statute barred debt

How to Handle EquiDebt Debt Collection When They Contact You

When EquiDebt contacts you to pay a debt you owe, consider taking the following steps:

1. Check that the debt in question is legitimately one you owe. If you're unsure, you can request a credit report from any credit agencies to be sure or request a 'Proof the Debt' letter from EquiDebt debt collection. If EquiDebt doesn't respond to your request, it probably means they can't prove the debt, so you don't owe anyone.

2. Check if the debt is statute-barred — if it's too old to enforce. Debt is only considered statute-barred if:

• You haven't made any payment in the last six years
• You have not recognised the arrears in writing during the previous six years
• If you confirm that the debt is yours, and it's neither statute-barred nor close to being barred, you can consider the following after seeking professional advice:
• You can pay off the debt in full. This will stop any contact with EquiDebt immediately.
• If you can't clear the debt all at once, request to negotiate a payment plan. Be intentional in agreeing to a plan you can easily manage.
• Request for assistance to pay off the debt.

Get Assistance From Robot Lawyer on How to Deal With EquiDebt

DoNotPay understands how emotionally draining dealing with debt collectors can be. It, therefore, has designed a way to take some of the stress off you. You only need to answer a few questions, and the app will do the rest.

Here's how to go about it:

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.

When that is complete, DoNotPay will implement your desired cause of action on your behalf.

DoNotPay Is Broadly Applicable

DoNotPay not only relieves your headache with EquiDebt debt collection but also works equally well with other debt collection agencies like:

• Amigo loans refund
• Lowell Financial services
• Marston group holdings
• Provident loans refund
• Advantis debt collection solutions
• Department for Work and Pensions debt management to recover overpaid debts
• Moorcroft debt recovery services

Other Perks of Using DoNotPay

The app is easily accessible from any smartphone or PC and provides you with a wide selection of services you can be assured to benefit significantly.

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• Tips for dealing with bank fees payments
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Access DoNotPay today and sign up to benefit from their extensive list of features.