How to Stop Harassment from Npower Debt Collectors

Stop Debt Collectors How to Stop Harassment from Npower Debt Collectors

How to Stop Harassment from Npower Debt Collectors Instantly

Npower debt collectors is one of the six largest energy providers in the country and getting into debt with them can be really exhausting. After all, how are you supposed to survive the winter if they shut off your power? If you can't afford to pay your bill, how will you be able to afford the service fee to get your power turned back on? How can you get Npower debt collectors off of your back?

As scary as Npower debt collectors are, you can feel calm and assured knowing that you don't have to face them alone. In this guide, we'll be discussing what you can do about these debt collectors, the consequences of ignoring contact, and how you can deal with the problem easily with the help of DoNotPay.

Why Did I Get a Letter From Collections Direct?

Have you received a post from Npower debt collectors or Collections Direct? Are you wondering if they are a scam? If so, we can assure you that, while shady, Collections Direct is not a scam. If you look at the tiny print located on the bottom of your letter, you will see that Collections Direct is but a mere trading name of Npower.

Put another way, Collections Direct is not a company and is not pretending to be a company. Collections Direct is a pseudonym for a very real company that can definitely affect your life negatively if you ignore your debt. For instance, not paying your debt could result in:

  • A low credit score
  • High insurance rates
  • Difficulty renting a flat

What Happens if I Don't Pay My Debt to Npower?

If you don't pay your debt to Npower, the default will stay on your credit file for 72 months. It is important to note that it does not matter whether the debt belonged to you or not. If it is in your name and it goes into default, it can affect your overall credit rating and prevent you from borrowing money down the line.

Will My Power Be Shut Off if I Don't Pay My Debt?

If the debt belongs to you and has accrued because you haven't paid your residential or commercial power bill, there is a chance that your power will be cut off. To mitigate the risk that your power is shut off, you may want to pay your debt within 28 days.

With that being said, it isn't always feasible to pay off your debt in full within four weeks, especially if you also have other debts piling up. Therefore, you may want to reach out to Npower and see if a payment arrangement can be made.

Note, if you go this route, you will be asked to agree to the installation of a prepayment meter. If you don't agree to the installation of a prepayment meter while your debt is being paid off in installments, you should not be surprised to see a notice in the mail that your power will be shut off in seven days.

How Long Does Npower Have to Collect My Debt From Me?

Pursuant to the Limitation Act 1980, Npower has 72 months to collect your debt from you. During these six years, you may not once submit a payment or acknowledge your debt to the company.

If you go six years without admitting to Npower that you are liable for the debt, and you don't pay them a single penny, you will not be legally liable to repay your debt. However, ignoring your problem for six years is not advisable, particularly if Npower is providing power to your business or primary home.

How to Stop Npower Debt Collectors in Their Tracks With DoNotPay

Are you being harassed by Npower debt collectors? If so, DoNotPay can help in just three quick and easy steps. All you have to do is:

  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.

     

The best part is that DoNotPay can do a lot more than advise you on the next best step to take based on your unique situation. We can also help you take that next step, regardless of whether that involves demanding the cessation of contact, requesting the verification of a debt, or reporting the company to a governing body.

Can DoNotPay Help Me Fight Harassment From Other Debt Collectors?

Absolutely! You can count on DoNotPay's Debt Collection product to protect you from harassment from any debt collector in the country. For instance, people often turn to us when they have issues with:

We can also help you get refunds from such loan providers as Provident Loans and Amigo Loans.

What Else Can DoNotPay Help Me With?

This AI-powered lawyer is not limited to helping you deal with debt collectors. You can also use the app to accomplish other tasks such as:

  1. File a complaint
  2. Cancel a subscription that you no longer use
  3. Increase your credit limit
  4. Sue companies in Small Claims Court

Check out DoNotPay today and be amazed at how productive you can be with just a few clicks on your phone.

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