Getting Badgered by Zinc Debt Collection? DoNotPay Can Make It Stop
Receiving a letter from Zinc Debt Collection in the post can be stressful, much less getting numerous calls day in and day out. No need to just take the abuse though because you have plenty of options to consider before paying a debt that you may not actually owe.
If you feel you are already being harassed by debt collectors and you think your rights are being violated, chances are you are right. You don’t have to just sit there and take it. DoNotPay can provide you with the necessary legal expertise and help you deal with it!
Is Zinc Group a Scam?
Zinc Debt Collection is a legitimate debt collector but that doesn’t mean they cannot commit any prohibited acts. Like many debt collectors, Zinc Group claims that its services are positive because it helps its clients recover the money they have not received, but the company is known for making frequent mistakes and for its excessively threatening communication.
Fortunately, you have options for dealing with Zinc Group and many other debt collectors that do not necessarily involve paying an inaccurate debt.
Other debt collectors and similar companies you may run into include:
- Moorcroft Debt Recovery
- DWP Debt Management
- Advantis Debt Collection
- Provident Loans
- Marston Group
- Lowell Financial
- Amigo Loans
What Happens If I Don't Pay My Debt to Zinc Group?
Although it can be tempting to ignore communication from Zinc Group, this is generally not the best course of action. Even if the debt collector made an error, you would typically need to explain why you believe this is the case to get the company to stop contacting you.
Not paying a legitimate debt can cause a debt collector or the actual company you owe money to take additional legal action, which can lead to owing even more money.
Has Zinc Group Violated My Rights?
Zinc Group may have violated your rights if it refuses to correct an error, continues to harass you after you have made a payment, or is unnecessarily threatening. Some specific reasons you may have legal grounds to attempt to get rid of Zinc Group include:
- The amount Zinc Group claims you owe is incorrect.
- You have never had an account with or been a customer of the company Zinc Group claims you owe money to.
- You are not the person that owes a legitimate debt.
- You have repeatedly explained that your financial situation makes paying a debt impossible, and Zinc Group continues to harass you instead of working with you to find a solution.
- Zinc Group contacts you unnecessarily often.
- The debt you owe is technically valid but not enforceable.
How Long Can Debt Collectors Collect Debt From Me?
Limitation Act 1980 states that creditors have no more than six years to attempt to collect money from you. However, you must not make any payments or acknowledge that your debt is legitimate during this time for this limitation to remain valid. After six years with no response from you, Zinc Group and other debt collectors must stop demanding money, threatening to take legal action or otherwise contacting you.
How to Make a Payment to Zinc Group
If you know that a debt Zinc Group is attempting to collect from you is legitimate, and you have the means to pay it, you may do so online. To do this, you will need to enter several basic pieces of information to ensure that your funds are applied to the correct debt.
These details include:
|Name||Zinc Reference Number||Date of Birth|
|Country or Region||Address||Town or City|
Once you enter this information, you will be directed to a secure payment page. You will not be able to access this page without entering your Zinc Reference Number, which is included with the information you received from Zinc Group in the post.
You do not have to pay a debt you do not believe you owe without consulting a legal expert. You should also not allow Zinc Group to pressure you into immediately paying a legitimate debt if doing so will have a significant negative impact on your current financial situation.
Evaluating your options before acting is an essential step in making the most reasonable decision. DoNotPay's robot lawyer can save you the hassle of dealing with Zinc Group by handling communication with the debt collector on your behalf.
Get Debt Help With DoNotPay!
Whether you were just recently contacted or have been harassed for months, DoNotPay can help you figure out whether your debt collector is compliant with debt collection laws. After guiding you through a series of questions, we'll help you determine what course of action you should take and contact the debt collectors with a demand letter on your behalf.
If you choose to report the collection agency to a governing body instead, we'll file the complaint on your behalf.
You can follow the 3 easy steps below to get started:
1. Search for the "debt collection" product on DoNotPay.
2. Answer some questions about the debt collectors, including when and how you were contacted. That will help us determine if any regulations were broken.
3. After providing you with recommended guidance, you get to choose what you think the best course of action is.
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.
What Else Can DoNotPay Do?
Once we have dealt with Zinc debt collection for you, we know you will want to explore the countless ways keeping your DoNotPay membership can make your life easier. Some of the many problems we have helped our members in the UK and around the world solve include:
- Increase credit limit
- Small claims court
- Find missing money
- Help with bills
- Cancel a subscription or service
- Free trials
- File a complaint
- Pay bills online
At DoNotPay, we are here to help if Zinc Group or another debt collector accuses you of a debt you do not owe or you are unable to pay a legitimate debt. Join us today to learn more about how we can help you solve the problem and make Zinc Group stop contacting you.