How to Stop Harassment from LCS Solicitors Debt Collectors

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Your Ultimate Guide to Dealing With LCS Solicitors Debt Collectors

Based in Leeds, is a Financial Conduct Authority (FCA) registered debt collection agency that collects debts for many businesses. The original company goes by 1st Locate (UK) Limited, which trades using LCS Debt Recovery, Leeds Consultancy Services, and Credit Management Investigations. Just like any other debt collection agency in the business, LCS Solicitors Debt Collectors are determined to collect payments from debtors no matter what the cost. Some collection agencies may resort to abuse and harassment to pressure you into repaying a debt.

To protect yourself from such incidents, you can take advantage of DoNotPay's Debt Help feature. Using this tool, you can determine whether your debt collector is compliant with FCA debt collection laws. You'll then be guided through a series of questions that'll help you decide which course of action you should take against a non-compliant agency.

DoNotPay will further contact the debt collectors with a demand letter and even file a complaint against the debt collection agency on your behalf.

Why Are LCS Solicitors Debt Collectors Calling You?

If have contacted you, you likely owe money from another creditor and LCS Solicitors only bought your account. You need to pay LCS Solicitors on behalf of your original creditor.

Debt collectors usually buy debt from creditors who want to get rid of their bad debts at lower rates. Since they now own the debts, they will chase you until you settle. Their motivation is to make a good profit on it. But they should do so using means that consider and adhere to your consumer rights.

LCS Solicitors Debt Collectors Contact Details

If you'd like to contact LCS Solicitors Debt Collectors to make payments, set a payment plan, or make general inquiries, you can reach them through:

Phone Number:0344 543 9001
Chat:Contact Form
Post Address:First Floor West Wing

Town Centre House

The Merrion Centre

Woodhouse Lane

Leeds LS2 8LY

What Are the Consequences if You Don't Pay LCS?

Ignoring LCS Solicitors Debt Collectors can only be worse for you. They'll keep telephoning you and eventually send their field agents, who may turn up at your doorstep anytime. Failure to heed their requests, they may take you to court as their final resort and Issue a County Court Judgement (CCJ) against you. At this point, bailiffs can intervene — visit your house to recover goods to the value of the debt.

Has LCS Solicitors Debt Collectors Violated Your Consumer Rights?

Collectors will stop at nothing to see that you've settled your liability. However, there's a very thin line between persistence and harassment that they shouldn't cross. LCS Solicitors Debt Collectors are authorised and regulated by the Financial Conduct Authority. They are also a member of the Credit Services Association and must adhere to the CSA Code of Practice.

Debt collector harassment can look like this:

  • A debt collector agency or creditor visits your home or enters your property without permission
  • Contacting you through social media
  • Threatening you with verbal or legal threats
  • Stating that non-payment is a criminal offence — for most debts, it is not a criminal act if you do not pay them
  • Reaching you multiple times during the day

The Office for Fair Trading (OFT, 2012) also issued some guidelines for the protection of borrowers. Suppose, in your dealings with LCS Solicitors Debt Collectors, you feel like they are acting in violation of your consumer rights. In that case, you have the right to file a formal complaint with law enforcement.

Have You Received a Debt Letter or Call From LCS Solicitors? What Should You Do Next?

First, you shouldn't ignore a debt letter/call. Leaving it unaddressed for too long can only prove problematic for you.

The following are steps you could take to handle the situation:

  1. Is the debt yours? Check that the dues referred to by LCS Solicitors are legitimately yours. If you have doubts, you could contact a credit bureau to provide you with a list of your outstanding debts.
  1. Can LCS Solicitors prove the debt? You can request the debt collection agency to provide you with a 'Prove The Debt' letter to ascertain it's your debt. If they can't, they'll be forced to mark the debt as settled.
  1. Check if your debt to LCS Solicitors is statute-barred. The Limitation Act 1980 provided a time limit on some debts, at whose expiration the courts can no longer enforce the arrears. In the UK, that is typically six years. All the following must apply for a debt to be considered statute barred:
  • There's no registered County Court Judgement (CCJ) against you.
  • You have not made any payment towards the debt in the last six years.
  • You have not acknowledged having the debt in writing in the last six years.
  • Once you've confirmed the debt is yours, LCS Solicitors have proof, and it's not statute-barred. You're liable to pay it.

You Can't Afford to Pay Off Your Debt—What Next?

Ideally, if you can pay off your debt in full, the better for your peace of mind, however, if you cannot, there are alternatives:

  1. Contact LCS Solicitors and agree to a payment plan — only agree to an amount you can easily afford.
  2. Seek out professional debt help — Citizens Advice Bureau (CAB), Christians Against Poverty (CAP), and free online debt advice. These could help you charter an excellent path to becoming debt-free.
  3. If you have multiple debts, you may consider an Individual Voluntary Arrangement (IVA)
  4. Try your luck with government-sponsored debt payment assistance.

DoNotPay Can Help You Resolve Debt Issues

Dealing with debt is not a straightforward approach. It's filled with pain and agony that can lead to depression. Don't allow yourself to that extent. DoNotPay offers you a chance, so you don't have to deal with all this alone.

Here's how to take advantage of that:

  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.

That's it. Once you choose the course of action you want to take, DoNotPay will handle the rest.

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