ByStop Harassment from Kapama Debt Collectors Effortlessly
Most of the time, we take on debt, hoping to repay it on time. When we cannot satisfy our financial commitments, the creditor threatens to turn our debt over to a collection agency. could be one of the debt collectors in your case.
Debt collection firms only have one purpose: to recover debt. As a result, they may use coercive techniques to get you to settle the debt.
We believe everyone should pay their debts. However, contesting your debt collector may be the best option sometimes. This post will explain who Kapama debt collectors are, what they do, and how DoNotPay can assist you in dealing with them. Continue reading to learn more.
Who Are the Kapama Debt Collectors and Why Are They Calling?
, formerly Minicredit, is a debt collection agency that collects debts for various financial institutions such as 02, Vanquis, and others. You may not recognize them because they do not provide credit directly to individuals.
If you receive a call from Kapama Debt Collectors, it is possible that you owe a financial institution and are long overdue on payment. However, before sending the case to a debt collector, creditors notify you of the escalation in writing.
What Happens if I Don’t Pay My Debt to Kapama Debt Collectors?
Credit collectors can be quite nagging when it comes to collecting debt. Failing to pay your debt to Kapama may prompt constant phone calls or legal action, which may lead to loss of property.
Has Kapama Debt Collectors Violated My Rights?
Being late on a payment does not excuse harassment or abuse. As a debtor, you should know your rights in order to avoid threats or harassment compelling you to repay your credit.
A creditor or debt collector may harass you in the following ways:
- Contacting you several times during the day, in the early morning or late at night.
- Pursuing you on social media platforms like Twitter and Facebook.
- Threatening you physically or verbally
- Falsely implying that legal action has been taken against you.
- Trying to shame you in public or using a family member or neighbour to pass messages.
- Falsely claiming to be a bailiff in England and Wales or a sheriff officer in Scotland.
If you experience any of these events, register a complaint with the debt collection agency or the Financial Conduct Authority (FCA).
It should be noted that the debt collector is required to notify you of your debt reasonably, either in writing or by phone.
How Long Can Debt Collectors Collect Debt From Me?
Under the limitation act of 1980, a creditor or debt collector has up to 6 years (or 12years in mortgage) to pursue their debt. After that period, your debt becomes statute-barred and hence the limitation act can be used to write off the debt.
Getting there could be challenging because the 6 year limitation period begins from when you were last in contact with your creditors or debt collection agency.
This explains why ignoring your creditor's attempts for payment for 6 years will not have your debt written off.
How to Deal With Debt Collectors
Receiving the initial call from a debt collector can be frightening and, over time, irritating. If you receive a call claiming to be from Kapama debt collectors, follow these steps:
| Verify their identity | There have been several incidents of debt collection fraud over the years. As a result, you must confirm in the debt validation letter the amount owed, the original creditor, the purpose of the debt, and the name of the debt collector. |
| Submit a request for verification | If you are dissatisfied or suspect a mistaken identification, you may make a debt verification request. However, if the debt's statute of limitations is about to expire, you can wait it out and disregard the collection. |
Consider other options
- Pay off the debtor or agree on a payment plan.
- Ask the debt collector not to call you. They are legally obligated to cease contacting you. However, they may counter your order with a lawsuit.
- Alternatively, you may specify how they should communicate with you. You may allow communication only during certain times or through your lawyer.
These options are efficient in checking credit collectors and protecting your peace of mind during their credit collection attempts.
Unfortunately, the procedures described above may be frustrating since they may take time to complete. Also, reading statutes may not be one of your strengths, hence costing you additional funds in legal fees.
Let DoNotPay Help in Dealing With Kapama Debt Collectors
DoNotPay designed the Debt Help product with a desire to aid debtors in trouble. Our product will handle all the difficult tasks for you. Our team will use our product to determine whether your debt collector complies with the FCA requirements. Also, we will check whether your debt is statute-barred because of the 6-year limitation period.
Following that, we will ask you questions and then approach the debtors on your behalf with a demand letter. If you choose to take the collector to court, we will also assist you in filing a complaint.
Solving the debt collection menace with DoNotPay is as easy as the 3 steps highlighted below:
- 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.
Other Debt Solutions by DoNotPay
DoNotPay's Debt Help product not only deals with Kapama Ltd but also with various other agencies and issues in the credit/debt realm. These include:
- Moorcroft debt recovery
- Advantis debt collection
- Marston Group Holdings
- Amigo loans refund
- Lowell Financial
- Provident loans refund
- DWP debt management
What Else Can DoNotPay Do?
DoNotPay provides a wide range of solutions to the many challenges that individuals experience daily. Here are a few examples:
- Filing a case in small claims court
- Finding unclaimed money
- Canceling any subscription
- Paying bills online
Let DoNotPay Handle It
Having to deal with debt collectors on your own could be stressful. Most debt collectors are overly aggressive or nagging. In other situations, you may become a victim of fraudulent debt collection tactics. DoNotPay will assist you in verifying your debt collectors and filing legal complaints against them if they are harassing you. Click on the on our page to begin.