Stop Harassment from Swift Credit Services Debt Collection in 3 Steps
There are few situations more stressful than a debt collector aggressively pursuing a debt. When it comes to , it's a good idea to know the applicable laws, form a realistic plan, and assert your rights with confidence. Though there can be lots of grey areas when it comes to debt collection, DoNotPay can step in to help with the details and make sure you aren't being taken advantage of.
Knowing Your Rights When It Comes to Swift Credit Services Debt Collection
One of the problems with debt collection is that few know what is and isn't allowed by the collector. If you have no idea what is considered legal debt-collection activity, you will have a harder time asserting your rights as the pressure begins to mount.
Consider these basic principles if you are being contacted by .:
- Collection attempts have to be during reasonable hours
- The number of collection attempts in a day is limited
- Collectors cannot embarrass you publicly
- Giving you false impressions about potential actions is strictly prohibited
- A written warning is typically required for at-home visits
- The debt collection could be subject to the statute of limitations (six years in the U.K.)
The question often comes down to what is considered targeted harassment. Per Citizens Advice, debt collectors are not allowed to make threats that are not backed by legal standing. For example, a debt collector cannot threaten you with legal action in situations where that isn't possible. A collector who threatens to take your house is also almost certainly violating debt harassment principles.
It's also worth noting that it's very rare for debtors to be subject to criminal prosecution; any debt collector suggesting you will be prosecuted for not paying a debt is likely breaking the law. Although a collector is allowed to call you at home, such calls are supposed to be during reasonable hours and cannot be repeated throughout the course of the day. Swift bailiffs should also not be coming to your home without prior written warning.
Actions You Can Take When Dealing With Debt Collection
If you have an overly aggressive debt collector, it's time to take some action to alleviate the pressure. Steps you might want to take include:
- Carefully looking at the debt validation letter
- Filing an official debt verification request, if necessary
- Writing down all collection attempts that you think might be harassment
- Specifying with the collector the type of communication you wish to receive
- Informing collector you do not want any further communication, if necessary
It's critical to know the specific details of a debt, including the original creditor and when the debt was incurred. If you are not satisfied with the information provided, you can send a debt verification request to clarify any questions you might have.
For aggressive collectors, it's a good idea to keep a running log of collection activity for your own records. For example, if a collector is not contacting you in a reasonable manner, make sure to write down when and how they contacted you. You can also tell the collector you no longer wish to receive communications, but this must be a measure of last resort; the collector will likely file a lawsuit and you will have to continue the fight in court.
Sending a Complaint to Swift Credit Services
Swift Credit Services has been owned by parent company Marston Group Holdings for a number of years. If you are not getting anywhere with the contact information issued on any debt notices sent to you, you can file a complaint directly with Marston Holdings.
|Address||Marston PO Box 12019, Epping, CM16 9EB|
Watching Out for Debt Collection Scams
Just as important as asserting your rights is making sure that your debt notice isn't part of a scam. While some scammers can seem obvious, many have done extensive background work and are very good at seeming legitimate. Some signs that an alleged debt collector is not what they seem might include:
- Not giving full details of the collection agency they supposedly represent
- Requesting immediate payment through prepaid cards or similar methods
- Issuing threats (e.g., claiming the police will come)
Before making any payments, remember your rights and formally request further information from the supposed credible collection agency—in the event anything seems illegitimate or is confusing.
Using DoNotPay to Help With Swift Credit Services Debt Collection
Few people have the time or inclination to deal with debt collectors and everyone can use some legal expertise at their side. To that end, DoNotPay can simplify the entire debt process with three easy 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 all you have to do to get the ball rolling. DoNotPay will follow up on your behalf, ensure that everything is above board, and help facilitate a satisfactory conclusion to your debt issue.
Other Debt Collection Services From DoNotPay
DoNotPay's versatile tool gives you an edge on debt collection when you need it the most. Some other related services include:
- Moorcroft Debt Recovery
- DWP Debt Management
- Provident Loans refunds
- Advantis Debt Collection
- Amigo Loans refunds
- Lowell Financial Debt Collection
Legal and Consumer Tools to Help in a Busy Modern World
There are many different reasons you might need some legal assistance at a moment's notice, but that doesn't mean you need to pay an expensive lawyer. More than just a legal tool, however, DoNotPay can save you time and money in a variety of other ways as well. Here is only a small sample of what DoNotPay can do for you:
- Get help breaking your lease
- Create a power of attorney
- Fight identity theft
- Assistance with notarizing documents
Thanks to an easy-to-use tool you can take with you anywhere, DoNotPay is the perfect assistant.