How to File a Complaint Against ICB Debt Collectors Easily
For too long, people have been intimidated and harassed by ICB debt collectors into paying debts which, with the right questions, can be easily proven to be invalid. They're able to do this because people either don't know the law or how to enforce it, even when companies like ICB are in the wrong. Since the banking and financial system is completely based on fiat currency and fractional reserve lending, regulatory agencies and parliament must continually patch the system's glaring flaws with top-down controls and policies aimed only at fixing symptoms rather than meaningfully solving root issues.
What that means for people at large is that to handle even the simplest of transactions without succumbing to the status of a perpetual debtor, it can seem like one must continually research mind-numbing amounts of information. On the positive side, that means creditors (and especially alleged creditors) also must heed an unbelievably high amount of legalese just to function, let alone make a profit.
To help you take advantage of this society-wide word-salad mess, DoNotPay has streamlined a number of services designed to help you more quickly force debt collectors to validate debt claims, file complaints and even file claims in small claims court. Applying the correct knowledge in the correct way is now easier than ever to keep the financial-legal system from dominating your time and attention. Read on to learn how to handle ICB debt collection yourself or enlist the help of DoNotPay — the world's first robot lawyer!
Who Is 01707 566 053 and Why Are They Calling Me?
If you've received calls from 01707 566 053, it's likely that ICB (or Insurance Collections Bureau Ltd) is trying to get you (or whoever else has had your phone number in the past) to pay them for an alleged debt. If you've already been in contact with them and have verified information related to said debt, you should make them keep communication in writing, because they can say anything over the phone whether it's true or not.
If their debt claim is invalid and they have neglected previous demands to validate their debt claim, then they are simply harassing you!
It's unlikely that ICB will stop calling you or sending you nasty letters until you make them. In certain cases, they could resort to hurting your credit score or even filing a lawsuit if you ignore them — yet responding to them when you don't actually need to can also make the matter worse, due to the way the legal system makes it so easy for them to "prove" that you've accepted debt liability for even a single misplaced word. That's why it's extremely important to be careful when choosing whether or not, and how, to communicate with them going forward.
If you receive a call from ICB claiming you owe a debt, keep calm and remember that the law is actually on your side. Do not answer their questions — don't even verify your name — and instead use it as an opportunity to verify their identity. Confidently assert that you only ever conduct business with people you know. State that you (whoever you happen to be) won't discuss any financial matters with them unless they give you their full name. They may just give you their first name, but insist that you require their full name so that you can verify that they are who they say they are and that they are legally authorised to engage in business with you.
Keep the tables turned on them to let them know that you are no pushover, ignoring their rude attempts to bulldoze over you. Repeat yourself without showing signs of being upset — if anything, act amused — and then politely hang up when it becomes obvious they won't identify themselves when it is they who have called you. Document the call for your records and consider the following information as you form your strategy.
ICB Contact Details
Here is ICB's contact information if you'd like to try dealing with them yourself. Be forewarned, you must exercise extreme caution lest they use anything you say to "prove" (however speciously) that you admitted to the debt.
|ICB Contact Information|
|Phone||01707 566 053|
|Address||Insurance Collections Bureau
Welwyn Garden City
What Even Is ICB?
ICB, which also uses the name Procol Services, is a third-party debt collector specialising in debt-claim recovery for brokers, insurers and credit hire companies. They are registered with the Financial Conduct Authority (Permission No. 704300), and it's possible that they will hurt your credit or take court action against you if you don't find the right way to challenge the debt's validity or otherwise limit liability for it.
The debts they most often deal with are only unsecured debts — those not backed by an asset other than someone's promise to pay (which, being backed by your future labour, is an asset; just not a tangible one). As a result, it is unlikely they could obtain a court order to have the debt secured against your house, but that is possible.
What Happens if I Don’t Pay My Debt to ICB?
After some time, they may send a collection agent to your address. These are not bailiffs, though, and it is illegal for them to claim to be or to threaten that they will send one to you (that is up for the courts to decide).
If ICB chooses to go further, they could have a County Court Judgement issued on their behalf, after which the court might send a bailiff to take property with a value to match the amount owed (if ICB states that they themselves might send a bailiff in any capacity, then they've set the grounds for a complaint).
Another possibility is that ICB might apply for an attachment of earnings or a charging order to seize money from your accounts or property. To mitigate any of these possibilities, read on to discover your options — there are quite a few at your disposal (especially sicking the world's first robot lawyer on them).
Has ICB Violated My Rights?
For those who have inadvertently affirmed presumptions that they've consensually entered into an ongoing debtor-creditor relationship in the commercial-legal system (as almost everyone has), rights only exist as a condition of express or implied contracts. All of this debt-collection frenzy — and society at large — would change overnight if a significant portion of the population learned contract law and used the administrative process to assert themselves more skillfully when dealing with corporatized-governmental institutions that have learned that almost everyone submits to the adhesion contracts said institutions "offer" in exchange for benefits and privileges.
But until that happens, the best you can do is stand fully on your square and assert the rights you do still have (however uncommon they are) in order to weather the debt-collection storm. The standards for harassment are actually quite low, and ICB has crossed into illegal territory if they've engaged in any of the following:
- Trespassing on your property
- Contacting you via social media
- Giving verbal or written threats (this includes stating that non-payment is a crime — with most debts, it isn't)
- Contacting you multiple times a day
- Shaming you in the public
- Not explaining that the alleged debt has been passed on to a debt-collection agency
- Lying to you about court actions when they haven't taken place
This is just a short list of the many ways you can show a debt-collection agency is harassing you, and though it may not seem like it, the UK's written law actually is on your side more often than not.
What's missing is knowing so and what to do about it. To help you more easily handle weak debt claims, DoNotPay created an extremely easy and straightforward Debt Collection service that can help you get ICB off your back for good (see below).
Alternative Ways to Deal With Debt Collectors
If you're being targeted by ICB, there are numerous options available for you. Simply stay calm and frame the experience as the opportunity to learn how to handle creditor-debtor relationships in general, since that is what's driving almost all of our corporate-governmental systems today.
Demand Proof of Their Claim
It's always important to force them to verify the debt, even if you know you owe it — it helps everybody when you make them toe the line. By law, ICB must be able to prove:
- Actual amount of debt owed (demand to know the original amount before they made up a bunch of fees)
- Purpose of the credit
- Original creditor's name
- Identity of the collections agent and company (if different from the creditor)
Tell them to only communicate with you through post. You could also force them to communicate only through legal counsel. It's likely that they can't verify all of the above, and they may either ignore the request or pretend that they fulfilled it when they didn't (bills, on their own, are not proof of debt at all).
If they cannot validate their debt claim, tell them to stop contacting you. Continuing to do so constitutes harassment or even communication of a threat depending on what they say, so be sure to record and document it if it continues. Unfortunately, the (fiat) money-for-justice courts admit specious evidence if you don't know how to stop them from putting junk into the court record.
An unrebutted affidavit stands as truth in commerce, so it's especially important to take action if they're bringing the matter up in court. Of course, they must have proof of service that they notified you of a lawsuit, at that point. It's best to get out of the habit, ingrained since school, of giving your name out to anyone who asks for it.
Negotiate Reduced Payments
It's always possible to negotiate a lower amount — especially since the majority of their business is based on tricking people into breathing life into a debtor-creditor relationship even when there wasn't one to begin with. ICB may be willing to reduce their debt claim or offer you a payment plan. In fact, by law, they must accept reasonable offers of payment if you are unable to pay the full amount without being reduced to poverty.
Alternative Dispute Resolutions (ADR)
The ADR process from the Financial Conduct Authority (FCA) could help you get ICB off your back or at least make them behave and help you come to a more advantageous resolution. The FCA has very stringent rules and the ability to enforce regulatory action, including revoking their licence and fining them for misconduct. Learning about the FCA's ADR process could also help arm you with the right language to put ICB on notice that you might be a particularly sharp thorn in their side.
Financial Ombudsman Complaints
You can also contact a financial ombudsman who specialises in abuses by debt-collection agencies. Their complaint process is free, but be aware that you must communicate with ICB beforehand and there are time factors at play. There are quite a few elements the ombudsman will look at when considering your complaint, including:
- Incorrectly identified party
- Wrong amount of debt claimed
- Harassing behaviour from ICB
- Requests for reasonable payment alternatives going ignored
- Unenforceable debt claims
Small Claims Court
For particularly weak debt claims, you could file a claim of your own against ICB in small claims court. The claims limits vary according to jurisdiction:
- England and Wales: £10,000
- Scotland: £5,000
- Ireland: £2,000 to £5,000 (it depends on which region in Ireland, and Northern Ireland courts have a higher upper limit)
With DoNotPay's small claims court service, you can simplify the process as much as possible and administrate your public servants without letting it dominate your time!
How Long Can Debt Collectors Collect Debt From Me?
Under the Limitations Act of 1980, creditors have a limit of six years (or twelve for particular mortgage shortfalls) to collect on any debts. This time period applies to the most recent date of payment or acknowledgment of debt to the creditor, which is why it's important to not engage with ICB with anything less than the utmost care, lest something you say or do be legally construed as an acknowledgment of the debt.
How to Make a Payment to ICB
If you do owe ICB a payment, you can do so with their online payment portal. Be sure to get confirmation of the payment, and you might even want to obtain a letter from them and the original creditor verifying that the debt has been fully discharged.
How to Get Debt Payment Assistance
It's possible to get a debt-relief order that will reduce or eliminate legal liability for valid ICB debts. These orders apply to debts less than £30,000 and only for those not owning their own house, and they stop the creditor from collecting money from you without permission from the court. Often, the debt can be totally discharged after 12 months.
On the other hand, this process has other legal and financial liabilities attached that are going to give you an inferior legal status. If you are considering a debt-relief order, learn how to minimise loss of rights while entering a contract by signing with minimal liability!
Besides debt-relief orders, there are many other programs and services for reducing debt burdens. DoNotPay can automatically research and compile the services that are available for your situation. For the same low monthly rate, DoNotPay can also help you find help with bills!
Get Debt Help With DoNotPay!
All of this can be incredibly frustrating and time-consuming, especially if you've never dealt with these issues before. Once you've discovered the legal-fiction-over-reality fraud, it can seem like an uphill battle to reclaim your time and assert yourself properly. On top of it all, the confusing court system can too easily function on the behalf of presumed creditors instead of acting impartially, making even the most obvious cases of fraud hard to shut down.
That's why DoNotPay is here, and we help people stop false claims of debt dead in their tracks every day with our automated service for handling debt collection. As the world's first robot lawyer, we can cut through ICB's paperwork maze and discover whether or not their debt-collection activities are in compliance with FCA guidelines, send professional demand letters and report them to the right agency.
If ICB debt collectors are bothering you and you don't think their claim can withstand scrutiny, we can help. Here's how:
- 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.
That's it! Once you've chosen the best course of action for you, the world's first robot lawyer will handle ICB debt-collection activities on your behalf. We'll send your debt-validation letter to them through first-class post, and if necessary, we'll also send complaints to the right ombudsman or trade association. Now, you can protect your time and money from questionable, automated debt processes using automated services of our own!
DoNotPay's Debt Collection Product Works on Any Debt Collection Agency!
Having begun by helping people contend with parking ticket fines, we've quickly grown to help people across the UK handle a broad range of debt-collection actions in general (and far more). Check out our other great debt-collection tutorials, and help people everywhere hold debt-collection companies accountable to the same legal system they so often abuse:
- Advantis debt collection
- Provident loans refund
- Moorcroft debt recovery
- DWP debt management
- Marston Group Holdings
- Lowell Financial
- Amigo Loans refund
What Else Can DoNotPay Do?
We've created a plethora of bureaucracy-busting services and placed them right in the palm of our members' hands. You'll get all this and more for a single highly affordable monthly rate:
- Keep free trials truly free
- Locate missing money that's rightfully yours
- Cancel services once and for all
- Increase credit limits
- Streamline online bill payments
We are the world's first robot lawyer, and it's our goal to help as many people as possible counter legalised abuse with streamlined online tools. Block unlawful debt collection, protect your finances and reclaim your time with DoNotPay!