Ultimate Guide to P&J Debt Collection

Have you been contacted by P&J Debt Collectors regarding a medical debt? This Ultimate guide is jam-packed with everything you should learn and know before agreeing to pay off your debt.

Whether you feel the debt doesn’t belong to you or you want to find how to contact the company, continue reading to find out.

Speaking to one of our debt advisors can help you to write off up to 85% of your debt.

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Table of Content

1 Who is P&J Debt Collection Services?
2 Is P&J a legitimate company, authorised and regulated in the UK?
- 2.1 Take a look at some of P&J’s amazing credentials:
3 But why have they contacted me?
4 What legal powers do they have over me?
- 4.1 How do I protect myself?
5 How do I sort out my debt?
- 5.1 Contact Information:
- 5.2 What if I can’t afford to pay?
6 List of Debt Collection Agencies UK

Who is P&J Debt Collection Services?

This Hemel Hemstead based debt collection company has had up to 30 years of experience collecting in the medical sector.

P&J has been collecting debts from hospitals, clinics, and consultants for a very long time giving them plenty of experience.

Is P&J a legitimate company, authorised and regulated in the UK?

Yes! P&J are definitely legitimate.

It can be incredibly scary when you are contacted by a company you may not know – you will probably feel like you are being scammed… you aren’t!

Take a look at some of P&J’s amazing credentials:

Registered with the Financial Conduct Authority since 2015
Their reference number is 714979

So you can rest assured, if you have been contacted, you will not be scammed as they are legit!

But why have they contacted me?

You will most likely be very confused why you are being pestered for your money. Well, simply, you will have an unpaid medical debt that you need to pay off.

In most cases, you will have already been contacted by the company it is originally from, although after a while with no response, P&J will get involved.

If you don’t believe you have a debt, firstly check all of your details on the letters you may have been sent.

If all the details are yours but you still aren’t certain, ask for proof. Asking for proof is important in any situation, if the company does not send you back any proof, you do not have to pay a penny.

What legal powers do they have over me?

Normally, taking legal action is always a last resort for debt collection companies. However, it is beneficial to learn what legal powers they do have over you incase they do attempt to use their power.

P&J has to ensure they send you a Letter before the Court claim letting you know what they intend to do.
Send bailiffs to your home
Apply extra fees to your debt

How do I protect myself?

You should know that P&J are legally not allowed to:

Lie about any legal powers they have against you
Go into your home and take belongings without permission
Use legal jargon to confuse you
address your debt with anyone else apart from you without permission.
Harass you with plenty of phone calls, letters, and emails.

How do I sort out my debt?

Firstly you should get in touch with the original company that issued your debt as this can prevent any additional fees or hassle.

If it is too late to get in touch with this company, you can contact P&J.

Contact Information:

Phone 01442 848500
Email [email protected]
Address Maylands Business Centre, Redbourn Road, Hemel Hempstead, HP2 7ES.

When you have managed to get in touch, you can arrange a payment method to pay off your debt. You should decide whether you will pay off the full amount or arrange a payment plan.

What if I can’t afford to pay?

If you are struggling financially and need some help, it is advised that you contact a debt charity.

Some debt advisory charities that can help to put you in the right place:

Step Change
National Debtline
Business Debtline
Citizens Advice Bureau
Debt Support Trust Management
The Debt Advice Management
Christians Against Poverty

List of Debt Collection Agencies UK

Here is a list of all the debt collectors in the UK.