Stop Harassment from Ray Nixon Brown Debt Recovery Quickly

Editorial Note: These blog posts represent the opinion of DoNotPay’s Writers, but each person’s situation and circumstances vary greatly. As a result, you should make sure to do your own independent research. Because everyone is unique, our self-help tools are never guaranteed to help with any specific situation. DoNotPay is not a law firm and is not licensed to practice law. DoNotPay provides a platform for legal information and self-help.

File a Complaint Against Debt Collectors from Ray Nixon Brown Debt Recovery

Did you hear? services closed in 2020, but if they were pursuing you for debt collection, don't count on your case being closed. Your debt is likely now being handled by another solicitor or debt collection agency, and how you handle things from your end will dictate your success in preserving both your wallet and your credit score.

Let's take a look at ways you can tackle debt collectors head-on, both on your own and with the help of a "robot lawyer" like DoNotPay.

Top Tips for Dealing With Debt Collectors On Your Own

When you're getting inundated with letters and phone calls from debt collection agencies that took over , you might feel intimidated. Perhaps you've heard conflicting information about debt expiring if you don't make payments for a certain amount of time, or you're unsure if you can make debt collectors stop calling you at home or even the office.

Maybe you're so overwhelmed that the prospect of answering your phone puts your stomach in knots. It's all understandable, but let's sort out the truth so you know where you stand:

  1. Don’t Assume They’ll Just Go Away

The very first thing you should know about debt collectors is that they won't give up as long as the debt is valid... and sometimes, even if it isn't. Ignoring debt collection attempts only opens you up to the risk of lawsuits and a damaged credit score.

  1. Debt Doesn’t Just “Expire”.

While it's true that debtors have six years to collect an old debt—12, for many mortgages—some caveats can get you into hot water. For example, any time you indicate that you will pay the debt, or anytime you pay an installment on that debt, you reset the clock and the expiration date moves back.

That's why it's a good idea to find out when the debt was first issued, and when you made your last payment before you decide to let it expire. And only entertain this option if you are close to the expiration date.

  1. Make the Debt Collectors Prove the Debt Is Valid.

You can request a debt validation letter (sometimes also called a "prove-it" letter) from the debtor, which requires them to get down to brass tacks and divulge the basic, legal facts about the debt, including:

  • When it was initiated
  • Who is owed the money
  • Who is responsible for the debt
  • The deadlines by which you must respond to the debt collection notice

This letter should also inform you that you have the right to find out who the original debtor was, and the amount of the original debt.

  1. Require That the Debt Collector Only Contact You by Mail.

You have the right to request that the debtors stop calling you at home and work, and only correspond with you by mail. This is ideal, as it makes it easier for you to keep track of what's been said between you and the debt collector—and record-keeping is key!

5. Don’t Make Any Promises.

Until you know for certain that you are the person responsible for the debt, do not agree to pay anything. Be careful what you say and sign and, in fact, avoid using your signature at all until you are certain you agree to payment terms.

6. Avail of Alternative Dispute Resolution

  • File a complaint with the Financial Conduct Authority which will remind the debt collection agency that violations of the debt collection laws may mean refusal or revocation of FCA authorization.
  • Get the Financial Ombudsman Services to help you especially when:
  • You are not the person who owes the debt
  • The amount you’re being asked to pay is incorrect
  • The debt collecting agency is repeatedly contacting you about the debt
  • You’re in financial difficulty and the business isn’t being helpful
  • Your debt isn’t enforceable

You can contact the Financial Ombudsman through any of the following:

WebsiteContact Us
Phone Number0800 023 4567

0330 678 1390

0300 123 9 123 (Calls to this number cost no more than calls to 01 and 02 numbers.)

(18002) 020 7964 1000 (Calls using next-generation text relay.)

+44 20 7964 0500 (Calls from abroad)

020 7964 1000 (Switchboard)

Fax Number020 7964 1000
FacebookFinancial Ombudsman Services

Let DoNotPay Handle Debt Collectors for You

Do you want to make the incessant phone calls stop, and keep those debt collection letters from piling up, but you want a little help? DoNotPay can advocate for you by finding out if the collection agency is breaking laws at worst, or at best, being misleading about the debt you owe. We can also help you find out if the debt is valid at all by sending a debt validation request.

Here's how it works:

  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 all there is to it! Once you decide how you want us to help, we'll take care of the rest by either sending your debt validation letter request directly to the collection agency or by filing a complaint with the Finance Ombudsman Service or the collector's appropriate trade association.

Who’s Been Sending You Debt Collection Notices?

It doesn't matter who is breathing down your neck—we can help keep them in line. Some of the agencies we've represented our customers against include:

And that's just the tip of the iceberg. We'll intercede with any debt collection agency in the UK or US, and keep them in line.

What Else Can DoNotPay Do?

We've referred to ourselves as "robot lawyers", but you can also think of us as personal assistants. We have the tools and information you need to solve problems fast and headache-free. Here are just ten of the thousands of things we can do for you in a matter of minutes:

So let's get started! The sooner you face them, the better you'll feel. You might be up for clearing out the rest of your to-do list with the help of DoNotPay!

Want your issue solved now?