How to Handle Zenith Collections Debt Collectors
Plenty of people around the world are dealing with money problems, but that doesn't make the experience any less frustrating. It's easy to feel overwhelmed when debt collectors are on your trail, but there are multiple paths available to you, even if you can't currently afford to pay. In this article, we will explain how to deal with Zenith Collections, and how DoNotPay can make the situation as simple to get through as possible.
How Can Zenith Collections Debt Collectors Contact You?
Zenith Collections is the registered trading name of the private company Debt Recovery Plus Limited, which is a collection agent for parking charge notices (PCN). Sometimes, you’ll initially receive a call from Debt Recovery Plus, then they’ll tell you that they will refer your debt to Zenith.
Being a debt collection agency, Zenith has the same legal rights as the original creditor did.
To get in touch with you, they can:
- Send letters
- Call your phone
- Send emails
- Send text messages
- Visit your home as many times as needed (this can only be done with advanced notice by the collectors)
While field agents can come to your home, they do not have the same rights as bailiffs. Collectors are not allowed to enter your home without expressed permission, nor can they take any of your property. They also must leave if you ask them to.
Zenith must take you to court if they want to do any of the following:
- Issue a County Court Judgement against you
- Send bailiffs to recover goods to the value of the debt
- Apply for an attachment of the earnings order, or a charging order
Ignoring Zenith Debt Collectors Is a Bad Idea
As convenient as it would be to put your head in the sand and ignore debt collectors when they initiate contact, know that this option will only make things worse in the future. If letters or calls are left unanswered for too long, then Zenith will be left with no choice then to visit your home to get your attention. The amount of debt on your account will also rise in the meantime. Zenith's code of conduct allows for some time to explore your options, but that step requires open communication between all parties.
How Can You Contact Zenith?
To talk to Zenith about your situation, you can do so in three ways:
|Debt Recovery Plus Ltd Contact Information|
|Phone||0141 301 2350|
|Website||Debt Recovery Plus Ltd|
|Address||78 York Street, London, W1H 1DP|
Debt Management Options
It's important to review all of your choices before making a decision. Here's what you can do:
1. Create a Payment Plan With Zenith
Zenith Collections may work with you to come up with a payment plan you can afford over a realistic timeframe without unreasonable charges and lower interest rates.
2. Apply for Debt Management Plan
If you have over £2000 of debt, you may be eligible for a debt management plan. These are informal agreements that will be presented to your lenders in the hopes of lowering payments altogether or temporarily pausing interest and charges. These plans can be made by yourself or with a debt management company. Please note that these plans do not have to be agreed to and are not always successful.
3. Get an IVA
For those with over £5000 of debt, you may be eligible for an IVA (Individual Voluntary Agreement). This is a formal deal set up by an IVA company and managed by an Insolvency Practitioner that freezes all of your interest and active charges. In return, your creditors would not be allowed to contact you anymore and you would pay a more affordable monthly payment.
4. File for Debt Consolidation Loan
This plan takes all of your current debt and consolidates it into one single monthly repayment.
5. File for Bankruptcy
If you can't afford to repay your debts in any way, you can declare yourself bankrupt and pay a one-off fee of £680. Of course, this option would have serious consequences on your credit score going forward.
6. Get Help From Debt Charities
Debt charity organisations can offer advice to those with less than £2000 worth of debt.
Here are some examples you can talk to:
- Debt Advice Foundation
- Christians Against Poverty
- Step Change
- Debt Advice Foundation
- Debt Support Trust
- National Debtline
- IVA Advice
How DoNotPay Can Help You Deal With Debt Collectors
Debt collectors don't always hold themselves to the right standards when chasing people for the money they owe. It's not uncommon for some agencies to harass targets and violate personal rights.
These are the most common methods to look out for:
- Unannounced visits to your home or entering your property
- Contacting you via social media
- Threatening you with verbal or legal threats
- Contacting you multiple times on the same day
If you suspect that a debt collector is not acting in accordance with Financial Conduct Authority (FCA) guidelines, DoNotPay can help you figure out if their conduct is improper and how to proceed if that is the case.
Here's how it works:
- 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.
After you send us the information, DoNotPay will move forward and deliver your request directly to the debt collectors via first-class mail or file your complaint automatically with the relevant trade association or ombudsman.
What Else Can DoNotPay Do?
Aside from Zenith Collections, DoNotPay can also help deal with debt and other financial issues from other organisations:
- How to Handle Lowell Financial Debt with Ease
- How to Stop Marston Group Holdings from Calling You
- How to Deal With Advantis Debt Collection Effortlessly
- Get a Refund From Amigo Loans Fast and Easily
- All You Need to Know About the Provident Loans Refund
- How to Stop Harassment From Moorcroft Debt Recovery
- Harassed By DWP Debt Management? Here's What to Do