How to Stop Harassment from Sigma Red Debt Collection
No one wants to be in debt, but sometimes circumstances can push you right in the middle of it and keep you buried. Paying these debts can be challenging and it doesn’t get easier with collection agencies like Sigma Red Debt Collection forcing you to pay immediately.
These companies will harass you repeatedly with endless phone calls, text messages, emails, and house visits. Knowing your rights is crucial as it will help you make better decisions and put an end to the unnecessary harassment.
We are well-versed in negotiating with debt collection agencies across the UK and we can assist you no matter which debt collector it is that you have to deal with. Here are a few of the agencies that we have dealt with in the past:
- Marston Group Holdings
- Advantis Debt Collection
- Lowell Financial
- Moorcroft Debt Recovery
- Amigo Loans
- Provident Loans
- DWP Debt Management
DoNotPay understands how difficult it can be and we are on your side. Read further to learn your rights and how you can prevent unlawful debt collection practices.
What Is Sigma Red Debt Collection?
Sigma Red Debt Collection is a debt collection agency based and registered in the UK, so they operate lawfully throughout the region. They collect debt for many companies but often work for companies in line with telecommunication, retail, and utilities. Some of their major clients include Scottish Power, Avon, Vodafone, and Barclays Bank.
What Happens if I Don't Pay My Debt to Sigma Red Debt Collection
Sigma Red Debt Collection can chase you with house visits, messages, and calls to make you pay the debt. But their team of debt collectors cannot break into your home and take away your possessions if you don't pay the debt. Instead, they can request a court to give a County Court Judgment that will enable you to pay.
When you don't pay, that's when they may use bailiffs to recollect properties. Of course, this can only occur if you try to dodge paying the debt or ignore it.
You can get out of debt in many ways, confront the matter and speak with debt charities or the Debt Collection Agency.
Has Sigma Red Debt Collection Violated My Rights?
It is unlawful for Sigma Red Debt Collection to use deceptive or unfair practices to collect debts. Below are acts that debt collectors are prohibited from doing:
- Calling before 8 a.m. or after 9 p.m. without your consent.
- Threatening to have you arrested or making any other legal threat.
- Lying to you or giving you false information about the debt, who they are or what they can do.
- Discussing your debt to anyone aside from yourself.
- Showing up at your home or workplace without prior notice and consent.
Alternative Ways to Resolve Customer Service Complaints
If you write a letter or email to a debt collection agency and are unsatisfied with the response, try other options.
ADR Schemes With the FCA
The Financial Conduct Authority (FCA) has rules and guidance concerning debt collection. Although FCA can't address individual cases, they can refuse or revoke the company's authorization or fine them. It's best to let the creditor know that violating the laws may influence their FCA authorization.
Financial Ombudsman Service
When you have reached a position of deadlock with the company, you can consider going to the Ombudsman. After making a complaint, they will ask you to hear back after ten days.
If the Ombudsman finds out that the firm failed to give you fair treatment or wronged you, they will look for ways to resolve the complaint. The financial ombudsman service will come up with a fair outcome for any specific case you have. Note that you will need to support your claim with evidence.
You can complain to the Ombudsman if:
- You are not the person who owes the debt
- The amount you are being asked to settle is incorrect
- The company is repeatedly contacting you about the debt
- You are in a financial difficulty and the business isn't being helpful when it comes to providing alternative payment options/arrangements
Small Claims Court
You can use this option as a final solution when you feel the agency has breached its contract. If a debt collections company violates your right, you opt for the small claims court. You can claim an average
|England and Wales||£10,000|
How Long Can Debt Collectors Collect a Debt from Me?
According to the Limitations Act 1980, creditors are allowed six years to collect their debt from you. While specific mortgage shortfalls have a limitation period of twelve years.
For these six years to count, you must not have paid or acknowledged your debt to your creditor even once for the debt to expire.
How to Make a Payment to Sigma Red Debt Collection?
Follow the following steps to make a payment to Sigma Red Debt Collection:
- Confirm that the debt is yours
- Know your debt collection rights
- Decide how much you want to pay
- Ask the company to set up a payment plan you can afford if you can't pay a large sum.
- Make your payment
Below are ways to contact Sigma Red:
|Postal Address||In Birmingham
The McLaren Building,
Birmingham, B4 7LR, UK
Grosvenor House, Prospect Hill,
Redditch, B97 4DL, UK
We highly recommend that you get in touch with a debt expert first before reaching out to Sigma Red Debt Collection. This will ensure that you are equipped with the right information and are knowledgeable enough to keep yourself from being coerced into an agreement and being harassed.
The fastest and safest way to make payments to Sigma Red is through your phone. But be careful when making payments as there are so many fake agencies looking for who to scam.
Get Debt Help With DoNotPay!
It does not matter if Sigma Red Debt Collection has contacted you recently or has been harassing you for months. DoNotPay can help assess if your debt collector complies with debt collection laws.
After guiding you through a series of questions, we'll help you decide what course of action you should take. DoNotPay will contact the debt collectors with a demand letter on your behalf. Should you wish to report the debt collection agency to a governing body, we'll file the complaint on your behalf.
Ready to kickstart things? Here's how to get started:
- 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 all! Immediately after deciding on the action to take, DoNotPay will handle the rest. We will send your request to the debt collectors through first-class mail or file your complaint with the necessary ombudsman or trade association.
What Else Can DoNotpay Do?
Besides saving you from harassment from debt collectors, DoNotPay can help you deal with many issues. We can help you file a complaint or sue a debt collection company in small claims court. Do you need help with bills or don't know to pay bills online? DoNotPay is here to help.
We can also assist you with the following:
- Missing money
- How to get free trials
- How to cancel subscriptions
- Learn how to increase your credit limit
Do you need help removing debt collections from your credit report and improving your score? Are debt collection agencies harassing you for failure to pay the debt? Sign up with DoNotPay for a quick and guaranteed solution.