How to Stop Nationwide Debt Recovery Debt Collectors in 3 Easy Steps
If you are being hounded by Nationwide Debt Recovery Debt Collectors, chances are you’re having a hard time and are experiencing restlessness. We completely understand. Financial issues, no matter how big or small, can complicate your life and add a lot of stress that most of us would rather do without. The stress is further compounded if you owe someone money, and you're getting harassed daily by collection agencies like Nationwide Debt Recovery.
Do they really think that you choose to be in debt, or that calling you throughout the day will change your financial situation? It would be nice if it was that easy to get out of debt!
If you owe money and aren't sure how you are going to recover, or you simply want the creditors to stop calling; DoNotPay is here to help. Our Debt Help Product has guided people find the most recommended options in dealing with their debt and stopping debt collectors from harassing debtors any further.
We have dealt with collection companies such as:
- Lowell Financial
- Provident Loans Refund
- Amigo Loans Refund
- Advantis Debt Collection
- DWP debt management
- Marston Group Holdings
Who Is Nationwide Debt Recovery and Why Are They Calling Me?
Nationwide Debt Recovery Debt Collectors are not bailiffs or external debt collectors. Instead they collect money on behalf of Shop Direct Group to whom consumers may owe money to. This can cause confusion since you may not recognize their name as someone you owe money to, but it will not stop them from attempting to make you pay your debt.
If they are contacting you, you should never ignore them. However, it is best for you to ask for them to validate your debt by showing proof that you actually owe them.
Nationwide Debt Recovery Contact Information You May Need
Nationwide Debt Recovery LTD can be difficult to reach out to as they do not have a lot of contact information listed. You can make use of the details below:
PO Box 55,
|Telephone:||0844 811 0112|
If none of these contact options works for you, you may choose to ask them to send proof of your debt through the post, which may provide you with other contact information for them. You can also request other contact options for paying your bill, validating them as a company, and more.
What Can Nationwide Debt Recoveries Do if I Don't Pay My Debt?
If you have reached the point where a debt collection agency is trying to contact you, it is most often because you tried to ignore the original creditor's attempts to settle your debt. By tossing those bills out, you may have missed notices that told you they would be passed on to the debt collection agency.
Beyond that, whether you are dealing with Nationwide Debt Recovery. Moorcroft Debt Recovery, or any other collection agency, your troubles will only grow if you cannot pay your debt. Most collection agencies have the authority to take you to court for failure to pay, especially if you entered a contract with the original creditor stating that you would pay them.
The only way to avoid having to pay your debt is to be able to prove that you're not responsible for it.
This can be done by proving:
- The debt is six years or elder and you’ve had no contact with the creditor.
- You entered the agreement under pressure or were unclear on what you were agreeing to do.
- The original creditor failed to ensure you could afford the debt before you entered the agreement.
- That you were not the primary recipient of the credit card (Responsibility falls to the primary cardholder).
- You are Under the Age of 18. (Minors can only be responsible for debts that are something you need day-to-day such as mobile phones, clothes, or food).
- The Debt Belongs to Someone Who Has Died, and It is Not Linked to Joint Debts or Your Property.
If your situation falls into any of these situations, you should likely seek out legal advice on how to get Nationwide Debt Recovery to stop calling you. Otherwise, they could take steps to make it a legal issue that ends up being dealt with in court, which could further increase your financial troubles.
My Rights When in Debt: Can I File Complaints for Harassment?
The Office for Fair Trading (OFT) was designed to ensure that your rights as a debtor are being protected and that you will not have to sustain harassment because of an inability to pay. When dealing with Nationwide Debt Recovery or any of the other debt collection agencies in the UK, they must always be respectful to you.
This means they:
- Treat you fairly and avoid using aggressive practices when talking to you. This includes lying to you, threatening you, or using unacceptable language when talking to you.
- Ensure you understand why they are calling or writing to you.
- Be considerate of your situation. If you give a reason for your inability to pay, they should be understanding and attempt to work out a reasonable payment schedule.
If a creditor and/or a debt collection agency does not provide you with these three basic rights, then you may have reason to file complaints against them. To ensure you go through the process of filing complaints properly, you should first attempt to work out your issues by contacting:
- Nationwide Debt Recovery to file a complaint
- Your original creditor to file a complaint
- Financial Ombudsman Service at 0800 023 4567 or online at Financial Ombudsman.
- The courts in your area
You may also file complaints with the Financial Conduct Authority (FCA). Doing this will not benefit you directly. However, the FCA can take away the firm's ability to remain in business or fine them for their practices if it's warranted. You can file a complaint with the FCA. Before you contact anyone about filing a complaint, you must be able to provide the details of your situation.
Your evidence should include:
- Proof that you are not the original debtor.
- Proof that you have attempted to solve the problem with the original creditor and/or Nationwide Debt Recovery.
- Proof that explains why you feel the debt is not something you should have to pay.
- Proof that they are using unfair practices regarding your case.
- Evidence that you are dealing with situations that may make it impossible for you to settle a debt. (Job loss, new disability, etc.)
You should be prepared to present anything else that you feel applies to your situation.
What if I'm Unable to Pay Nationwide Debt Recovery in Full?
If you can pay your debt to Nationwide Debt Recovery, then you should do so as quickly as possible. This will ensure that their phone calls and letters will stop. If you cannot pay in full, you have some options.
You may try to:
- Work out an ideal payment plan
- Write off your debt using an individual voluntary arrangement or a protected trust deed
- Look into whether the debt is covered by payment protection insurance
If none of these options is something you feel able to do on your own, there is help available through DoNotPay. As the world's first online robotic lawyer group, DoNotPay can help you take several actions that can get debt collection agencies off your back while you catch up.
Get Debt Help With DoNotPay!
Being in debt and having collection agencies calling you incessantly can take a huge toll on your peace of mind. It is even more difficult trying to make these collection agents lay off on you even just for a while. DoNotPay understands and assures that you will get the best possible advice and representation to ease the stress of being buried in debt.
Find great relief from your debts by following these simple steps:
- 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.
DoNotPay Does Not Stop With Debt Collection Agencies
Now that you know how easy it can be to deal with Nationwide Debt Recovery debt collectors when you have DoNotPay by your side, we want you to know that there are hundreds of other products on our platform that may help you deal with your financial issues.
Some of our top financial products include:
- Finding Missing Money for You
- Providing Help with Bills
- Helping You Discover Free Trials
- Cancelling Subscriptions for You
- Increasing Your Credit Limit
- Helping You Pay Bills Online
Sign up at DoNotPay today for unlimited access to top-of-the-line legal assistance that will not hurt your budget.