How to Handle Reliable Collections Debt Recovery With Ease
If you've been harassed, abused, intimidated or coerced into paying off your debt by a debt collection company, the agency is violating your consumer rights. Failure to pay your debt is not a criminal offence. The Financial Conduct Authority (FCA) sets the standards for reliable collection debt recovery practices, and you can fight for your rights when you're browbeaten into paying off what you owe.
Unfortunately, many borrowers don't understand their rights, and they end up being victimised. For instance, a collector such as Reliable Collections, Moorcroft, or Advantis might use ill practices when recovering the debt. You can protect yourself against unfair debt collection practices by leveraging DoNotPay.
DoNotPay is your trusted, online robot lawyer, advocating for your consumer rights. All you need to do is search for our "debt collection" product and follow the simple three-step procedure. From holding a collection agency liable for harassment and determining the best course of action to filing complaints with professional trade associations, DoNotPay is here to fight for you.
Who Is Reliable Collections and Why Are They Calling Me?
Reliable Collections Ltd is a registered professional debt collection company in the UK. They buy debts from another company, offer debt advice, and provide restructuring help for many businesses.
|Reliable Collections Ltd Company Information|
|Registered Address||36 Houldsworth Street
Lancashire M1 1AG
|Consumer Credit Licence||0006134|
|Correspondence Address||Po Box 268
|Phone Number||0161 238 2000|
A debt collection agency is an entity that works as a middleman, collecting debts from delinquent accounts and remitting them to a creditors' account. They recover a wide range of debts, including credit cards, car loans, personal loans, student loans, and unpaid utility and phone bills. Some collectors operate independently, purchasing debts from creditors and using strategies to collect the money owed by borrowers.
If you received a call from Reliable Collections debt collectors, they are pursuing you for payments for debts you may owe from the companies they bought the debts from. Here are the numbers they call from:
- 0800 0728401
- 0789 1808141
What Happens If I Don't Pay My Debt?
You're responsible for paying a debt if it's money that the law requires you to pay, such as taxes or water bills. You'll also have to pay a debt under a contract agreement. It could be:
- A credit agreement
- A lease agreement if you rent a property
In such cases, you're liable for the debt. Otherwise, you should be able to challenge your creditor.
Sometimes you might not be responsible for paying a debt, especially in the following circumstances:
- If six years (or more) have passed since you made your last payment or contacted your creditor
- If you signed an agreement under duress or coercion
- If the creditor didn't check whether you could afford the repayments
In most cases if you fail to pay your debt, your creditor can take action against you within a specific time limit, usually six years - also called limitation time. Therefore, the creditor will have to inform you in writing that they plan to take you to court.
Once the limitation time elapses, the court views the debt as "statute barred", and you don't have to pay it altogether.
If you need to verify your debt details, don't contact your creditor in writing, by email, or by online chat. That shows you agree that you owe the money. It triggers the limitation period, meaning it will be another six years for the debt to become statute-barred. Instead, phone your debt collector or the agency nagging you to pay the debt to dispute the debt.
How Do Debt Collectors Violate Consumer Rights?
The FCA says debt collection agencies like Reliable Collections Ltd can't harass, coerce, oppress, or intimidate you into paying your debt. Some ways that debt collectors harass consumers include:
- Repetitious phone calls during the day designed to annoy, harass, or abuse you
- Threaten to arrest you or charge you with a criminal offence
- Trying to collect a debt you don't owe
- Contacting you through online social platforms
- An agency's representative visiting your home or workplace to demand the payment
- Pretend to be a bailiff or enforcement agency; that's a criminal offence
- Speak to relatives, neighbours, or flatmates about your debt
- Take any of your personal belongings or clamp your car
Alternative Ways to Resolve Complaints Debt Collectors
If, for instance, you've contacted Reliable Collections and you haven't come to an agreement with their customer service agent, you can leverage other options to resolve the dispute. Some of these alternatives include:
1. Alternative Dispute Resolution (ADR) with the FCA
In its Handbook CONC 7.3 (Treatment of Customers in Default or Arrears), the FCA clearly outlines how creditors must deal with consumers with delinquent accounts. You can file a complaint to the FCA to take action against the collection agency or an agency working for the government.
While the FCA may not handle your case, it will revoke the agency's authorization or impose penalties and fines to ensure it adheres to the rules when recovering debts.
2. Financial Ombudsman Service
If you feel that a debt collection company isn't treating you fairly when getting you to pay the amount you owe, you can file a complaint with a financial ombudsman service. Nonetheless, they can't take all debt collection cases (utility bills, rent arrears, court fines, or council taxes).
Before contacting an ombudsman, it would be best to first talk to your creditor or debt collector to offer them a chance to make things right. You need to get in touch with a financial ombudsman within six months of receiving the agency's final response to your complaint.
Once you contact them, it usually takes 10 working days for them to respond to your complaint. They'll then task a case handler to assess your case. The case evaluation process takes a maximum of 90 days (three months).
When to Complain to an Ombudsman
It's essential to talk to a financial ombudsman if you haven't heard any feedback from a creditor or debt collector in six months. Besides, situations warrant the need to partner with an ombudsman. They include:
- If you're not the person who owes the debt
- If the business contacts you repeatedly about the debt
- The debt collector is asking for an incorrect amount
- If you're in financial difficulty and the business isn't of any help
- If the debt isn't enforceable
To reach the Financial Ombudsman services, you can use the following information:
|Fax||020 7964 1000|
|Financial Ombudsman Services|
3. Small Claims Court
Filing a lawsuit against a debt collection agency should be your last resort. The court will require you to demonstrate that you tried all dispute resolution alternatives and have failed. Remember, you can only claim a maximum of £10,000 in England and Wales. In Scotland and Northern Ireland, you can only claim £5,000 and £3,000, respectively.
Get Debt Help Easily With DoNotPay
Don't face harassment, coercion, or intimidation from Reliable Collections or any debt collection agency; fight for your consumer rights today by taking advantage of DoNotPay. Through our "Debt Collection" product, we help people determine whether agencies are trusted to provide reliable collections and debt recovery according to the FCA rules and practices.
The process is simple and easy, as it involves a three-step procedure that you can follow on your laptop. We'll ask you a few questions to understand the nature of your debt and advise you on the best course of action to take, even if it includes drafting a demand letter and sending it to your debt collector. Furthermore, we can file a complaint to the FCA, ombudsman, or a small claims court, should you choose to report the debt collection company.
DoNotPay can assist you in handling debt issues (and even refunds) with the following:
How to Use DoNotPay to Get Debt Help
If you're ready to get started with DoNotPay to get assistance with your debt, here's the procedure to follow:
- 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.
How Else Can DoNotPay Help?
People deal with many civil, legal, and societal issues, and debts are only one of them. DoNotPay not only provides help with debts but also provides solutions to wide-ranging problems, including:
- Getting airline flight compensation
- Breaking lease contracts
- Cancelling timeshares
- Getting chargebacks and refunds
- Contacting government representatives
- Accessing college fee waivers
- Handling divorce settlement agreements
Are you facing a legal issue or civil matter that you can't find a solution to? DoNotPay is here to advocate for you and help you solve any problem, from monthly bills and getting in touch with an inmate to filing for a marriage annulment. Sign up today and discover the many ways we can help you.