Stop Collection Efforts From Everyday Loans With DoNotPay
Specialising in loans for UK consumers with past debt issues, is a direct loan lender that offers funding products ranging between £1,000 and £15,000. If you've borrowed money from this company in the past and have fallen behind on your payments, you're probably on the receiving end of seemingly constant collection calls. Being in debt and struggling to get on top of it is never comfortable. However, being constantly harassed by companies who want their money now can lead to overwhelming stress, feelings of hopelessness, and unwarranted social embarrassment.
The best ways to stop collection calls from Everyday Loans and other companies like it include paying what you owe, making reasonable payment arrangements, or taking legal action to end abusive collection practices. No matter which course of action you choose, DoNotPay can assist. You can use DoNotPay to get the debt help you need or the recourse you deserve.
With the Debt Help UK product, you can put a stop to illegal collection activities from debtors such as Amigo Loans, Lowell Financial, Provident Loans, and Marston Group Holdings. DoNotPay can also assist in dealing with third-party collection agencies including Advantis, DWP, and Moorcroft. Read on to find out how.
What Happens if I Don't Pay My Debt to Everyday Loans?
Ignoring calls from might seem like the easiest solution. Unfortunately, pretending there’s no problem, won't make it go away. Speaking with Everyday Loans about your financial circumstances will give you the opportunity to make payment arrangements. You may be able to establish a feasible, agreeable plan with the company for paying your loan back in smaller increments and over a longer period of time.
If you fail to take any action, your Everyday Loans might:
- Sell your loans to a third-party collection agency that uses even more aggressive collection efforts
- Take you to court and get a County Court Judgement against you (CCJ)
- Make it all but impossible for you to secure funding from any lender in the future
If Everyday Loans hasn't violated your rights as a consumer, pick up the phone and see what they want. In most instances, lending companies reach out to borrowers with delinquencies to verify their debts, collect what's owed, or negotiate payment arrangements.
You should also note that when UK consumers default on loans they can be:
- Charged additional fees for each loan payment they miss
- Charged additional interest according to extended repayment times
- Subject to damaging updates on their credit records
Everyday Loans can inform credit reference agencies (CRAs) that you've missed payments or failed to meet the terms of your loan agreement entirely. Thus, it's always best to attempt to make arrangements to resolve your debt before any additional action is taken.
Contact Information for Everyday Loans
1st Floor North
2 Dukes Meadow, Bourne End
Buckinghamshire, SL8 5XF
|Website||Everyday Loans Homepage|
|Bootle Branch||0151 556 0867|
|Paisley Branch||0141 471 6916|
|Top-Up Loans||0808 231 5453|
|Newcastle Branch||0191 222 1040|
How Long Can Everyday Loans Attempt to Collect?
UK lenders and any collection agencies that they work with have a maximum of six years to collect on delinquent loans. If you believe that your debt has expired, DoNotPay can help you take action to stop further collections.
The Everyday Loans Complaints Process
If Everyday Loans is contacting you about an expired debt, you can use their three-step Complaints Process to state your concerns and get a resolution.
If this doesn't work, try reaching out to the Financial Ombudsman at 0845 080 1800. You can also contact the Everyday Loans Head Office at 0330 3033 503.
Has Everyday Loans Violated Your Rights?
In addition to attempting to collect expired debts after the six-year mark has passed, lenders and collection agencies can violate consumers' legal rights by:
- Attempting to collect debts in-person at their places of work or homes
- Using foul and threatening language
- Using social media to establish contact
- Calling or making contact in other ways several times per day
How to Make a Payment to Everyday Loans
You can visit your local Everyday Loans branch to make a payment on your past-due loan. You can also contact your branch directly to discuss sending your payment in or having it processed online. You can also find the nearest branch in your area for your own convenience.
How to Get Debt Payment Assistance
You also have the option of seeking debt payment assistance. If you are unable to make payment arrangements and need more time to pay off your debt or other forms of debt payment assistance, you can log on and learn more about debt relief orders (DROs) for debts amounting to £30,000 or less.
Get Debt Help With DoNotPay
No matter what your circumstances may be, DoNotPay can help you resolve your problems with Everyday Loans. DoNotPay can help you report complaints, make payment arrangements, or take other actions to reclaim control over your finances and get peace of mind.
Whether you were just recently contacted or have been harassed for months, DoNotPay can help you figure out 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.
- 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.
And that's it. Once you choose the course of action you want to take, DoNotPay will handle the rest. We'll deliver your request directly to the debt collectors via first-class mail, or file your complaint automatically with the relevant trade association or ombudsman.
Other Problems DoNotPay Can Help You Solve
Helping you deal with to resolve your debt issues is just one of many things that DoNotPay can do. As an AI-driven robot attorney and the only resource of its kind in the world, DoNotPay is designed to help you save both money and time.
With DoNotPay, you can:
- Get help with your unpaid bills
- Cancel subscriptions or memberships you no longer want
- File complaints
- Increase your credit limit
- Take advantage of free trials without ever being charged
Subscribe today to get started!