What to Do When Face to Face Debt Collection Agency Starts Harassing You for an Unpaid Bill

If Face to Face Collection Agency has crossed the line in badgering you to pay up, there are some things you can do to protect yourself. For example, you could contact them and tell them how you wish to communicate with them, or you could get a financial ombudsman service (FOS).

However, there is an easier way. DoNotPay can help you deal with debt collectors. They'll contact the debt collector on your behalf to help settle the matter.

DoNotPay has helped settle collection disputes with the following companies:

• Moorcroft Debt Recovery
• DWP Debt Management
• Advantis Debt Collection
• Provident Loans
• Marston Group Holdings
• Lowell Financial
• Amigo Loans

What Even Is Face to Face Debt Collections Agency?

Face to Face Debt Collection, also known as Face2Face Debt Collection Agency, collects debts from people in the UK by chasing them for payment. They have been in operation since 2006. Face2Face collects debts on behalf of other companies that own the debt.

What Happens If I Don't Pay My Debt to Face to Face Collections Agency?

Instead of paying Face2Face right away, ask them to prove that you owe the debt first. To request proof before paying, you need to send them a debt verification letter.

If Face2Face proves you owe them money, don't ignore them. You'll need to assess how you can pay off the debt, and they must give you time to do that.

If you can't pay the total amount, you need to agree to a repayment plan. Be sure to only agree to a repayment plan that you can realistically pay back. Don't agree to just any random number.

Has Face to Face Debt Collection Agency Violated My Rights?

If a debt collector from Face to Face does any of the following things to try and get you to pay back what you owe, this could be considered harassment, which is a violation of your rights. Prohibited acts include:

1. Visiting your home or entering your property
2. Contacting you through social media
3. Threatening you with verbal or legal threats
4. Stating that non-payment is a criminal offence
5. Contacting you multiple times a day

How Long Can Debt Collectors Collect from Me?

A creditor has six years to pursue a debt from you, according to the Limitations Act 1980. For specific mortgage shortfalls, they have twelve years. The six-year period counts when you've never made a payment or acknowledged your debt to your creditor even once. The limitation period does not count if you've been making payments to your creditor.

How to Make a Payment to Face-to-Face Debt Collection Agency?

If you owe a debt to Face-to-Face Collections and would like to pay it, you need to contact them by calling the phone number on the letter they sent you. They can take your credit card information and provide their mailing address if you wish to mail a check.

You can reach Face to Face Debt Collection Agency through

When calling their number, it is safe to expect a long wait time before you can talk to a live person so you’ll have to be patient..

How to Get Debt Payment Assistance

One option for paying off your debt is to get a Debt Relief Order (DRO). A DRO is one way to deal with your debts if you owe less than £30,000, do not have much extra income, and don't own your home.

To get a DRO you need to contact the official receiver. The official receiver is an officer of the bankruptcy court, but you must apply through an authorised debt advisor. They'll help you fill out the paperwork.

There are six requirements you must have to be eligible for a DRO, they are

1. You owe less than £30,000
2. You have no more than £75 a month in spare income
3. You have less than £2000 worth of assets
4. You do not own a vehicle that's worth £2000 or more
5. You've lived or worked in England or Wales within the last three years
6. You have not applied for a DRO within the last six years

Get Debt Help Dealing With Face to Face Debt Collection Agency Using DoNotPay

Whether you've just been contacted or harassed for months, DoNotPay can help you figure out if the debt collector from Face2Face is compliant with Financial Conduct Authority (FCA) guidelines. We'll guide you through a series of questions, help you determine which course of action you should take, and contact Face2Face Collection Agency with a demand letter on your behalf.

If you choose to report Face2Face to a governing body instead, we'll file the complaint for you.

Here's how it works:

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.

And that's it! Once you choose the course of action you want to take, DoNotPay will do the rest. We'll deliver your request directly to Face2Face Collection Agency via first class mail or automatically file your complaint with the relevant trade association or ombudsman.

What Else Can DoNotPay Do?

Settling debt collections is not the only thing DoNotPay can do. We can also help you with the following:

• Suing anyone in small claims court
• Help with bills
• Getting free trials without being charged
• Find unclaimed money
• File a complaint against any company
• Cancel any service or subscription
• Increase credit limit
• Paying bills online

Join us today to learn more about what DoNotPay can do for you.