The Ultimate Guide to Restons Debt Collectors

Are you tired of getting unwanted phone calls in the night asking you to reimburse your debt? Do you want to seek financial help but you aren’t sure of who to contact or what steps to take? Are you tired of the stress caused by immoral debt collectors?

Debt isn’t an uncommon issue in today’s world, with so many sudden payments and changes in finances, even the most prepared people can be hit by debt. But did you know, you might be able to wipe off up to 85% of your debt?

Below you will find our guide to Restons Solicitors and debt collectors in general, so if you are tired of the stress and financial burden, you will find everything you need to know, and more, in this handy guide.

Did You Know You Can Write Off Up To 85% Of Your Debts?

Do I Qualify?

Where are Restons based?

Restons Solicitors Limited or Restons Debt Recovery have been based in Warrington, UK for the past 30 years. They specialise in recovering debt from people who might owe money to a range of different companies.

Are they a legitimate debt recovery company authorised and regulated in the UK?

Unlike like a large array of different debt collection agencies, Restons Solicitors Limited are not regulated by the Financial Conduct Authority. This is due to them being an Exempt Professional Firm, which essentially means they don’t need to be regulated by the FCA.

Instead, Restons Solicitors are regulated and authorised by the Solicitors Regulation Authority, SRA, in accordance with SRA Number 425555. As you might expect this means they have strict regulations and procedures they must abide by.

Restons must also comply with the Credit Services Agency’s Code of Practice as they are a member of the Credit Services Agency, CRA.

What legal powers do they have over me?

Debt collectors have slightly less legal powers than bailiffs, meaning they can’t enter your property without permission, but there are still actions you should keep aware of. If a debt collector doesn’t believe they will receive a debt payment from you, they are entitled to seek a county court judgment.

A county court judgement is where you will be required to attend a court hearing, where they will decide whether you truly need to send money to the debt collection company or not. Typically, this is in favour of the debt agency itself so try to avoid this scenario where possible.

Why is a third party debt collection agency contacting me?

In some cases, if a debt collection company doesn’t think it will receive any more payments, they may sell your debt off to third party debt collectors. This means any future debt will need to be addressed to the new collection team.

If you notice a change in debt recovery agency, then ask them for a letter stating both the original credit agreement and to prove that you do owe them money. Debt agencies that can’t provide such proof, cannot legally ask you to make any payments.

The best thing to do if you are confused or unsure of the next steps is to contact a debt advisor or an IVA to discuss the next best step. It may be possible to wipe off your entire debt, or at least an extremely large percentage of it.

How do I get in contact?

There are a variety of different ways to get in touch with Restons Solicitors, but the easiest way is by calling their customer service number on 01925 426 100. You may also request a call-back or contact them using the online form found on their website.

If you choose to send a letter to Restons Solicitors please use the following registered office address, Restons Solicitors Limited, Trinity Chambers, 800 Mandarin Court, Centre Park, Warrington, Cheshire, WA1 1GG

How do debt collection agencies operate?

Restons debt collection teams will operate in different ways depending on how long it has been since you owed the debt and how much debt there is left. Typically, they will first alert you to your outstanding debts by writing a letter to your home address. This will usually explain how much you owe and what you owe it for.

Restons Solicitors may then either contact you via phone or by sending people to your door to enquire about the debt. Always remember, they cannot access your property without your permission. Unlike bailiffs, debt collectors have no legal rights in terms of entering a debtors property. Below you will find a few intimidation tactics they might use – if you notice any of these, be sure to report them to the Financial Ombudsman.

Back Door CCJ (County Court Judgement)

One of the most unlawful tactics, and one that Restons Solicitors are known for, is using a tactic known as a ‘Back Door CCJ’. This is essentially where Restons Solicitors will seek a court judgement against you, but instead of sending the court summons letter to your current address, they will send it to a previous one. This means you may have to reimburse up to £250 to put the court judgement to one side.

A back door CCJ is extremely immoral and deceptive and should be reported to the Financial Ombudsman where possible by calling 0800 023 4567.

Bad Cop, Good Cop Routine

Another common practice that agencies such as Restons Solicitors will implement is the bad cop good cop routine. This is essentially where two debt collectors will use varying tactics to try and persuade you to make a payment.

This method has been used for many years, not just by Restons Solicitors, but is an extremely immoral method. As always, report it to the Financial Ombudsman as soon as you can to avoid this behaviour from being repeated.

Automated Phone Calls

A popular method used by debt collectors, and one that cannot continue, automated phone calls are both intimidating and annoying. How this works, is a debt collection company, such as Restons Solicitors, will set up an automated phone system to constantly call you until you answer or make a payment.

Due to the stress caused by this method, it should immediately be reported to the FO by calling 0800 023 4567.

Why is a debt collection agency contacting you?

If a debt recovery agency, such as Reston Solicitors is contacting you, then this means they believe you owe them money. Whether that’s debt such as credit card finances or utility bills depends entirely on the agency itself.

To figure out what you owe money for, contact the company themselves and ask for both a proof letter and an original credit agreement. This way you will know what you owe money for and it will make it far easier for a debt advisor to offer you the advice you might need.

Interested In Finding Out More About The Debt Solutions Available?

Find Out More

What if I cant afford to pay back a debt?

Sometimes you might be in a financial situation where you can’t afford to make a payment towards your debt. This is nothing to worry about, as it is an extremely common situation and there are services there to help you. One of the best options available is discussing your finance issues with a debt advisor at their registered office.

A debt advisor can help you to wipe off a large sum of your debt, up to 80% in some cases, by using an IVA, and will help you find an alternative repayment plan that works for you. This can free up some of the money-based pressure you will be feeling and generally help you with your wellbeing.

Please don’t hesitate or feel shame by discussing your financial situation with an advisor, that is what they are there for. If you would like help or advice, then get in touch with a debt advisor as soon as possible!

Can pay, but won’t pay?

If you can pay your debt, but you won’t, you might be causing yourself a lot more stress than is necessary. Agencies such as Restons Solicitors will constantly pursue, for up to 6 years, to chase up any debts you might owe. This can cause a lot more hassle than it is worth.

However, before you do send a payment, it is still advised to chat with a debt advisor or IVA as you may be about to send more money than you need to. You could also find an alternative plan that won’t put your other household payments at risk.

It’s best to avoid dragging on a situation such as this longer than you need to, as they might take legal action against you if prolonged too long. Which means you might need to attend a court hearing to receive a court judgement. Chat with an advisor to find a plan that you find more suitable to your current circumstances.

How to deal with debt collectors:

There are many ways you can give yourself an edge when it comes to competing with Restons Solicitors and collectors in general.

From seeking legal advice to wiping off a large sum of your debt, IVA’s are there to provide you with aid. You will find all the information you need below, so be sure to use it to aid in your unique situation.

Seek debt help

The most important thing you can do if you are struggling with debts is to seek advice and debt aid. Thousands of people around the UK will be in a similar situation as you, so there is nothing to be ashamed of.

By discussing your debts with an advisor you could wipe off a substantial amount from your debts, saving you money and stress down the line. If you would like to find a plan that suits you, please contact an advisor at their registered address. You will easily find a new deal that you can agree on!

Check if you really owe a debt collection company money

Ideally, before you send any payments towards your debts, you should always make sure that the debts truly belong to you. Sometimes debt recovery agencies are prone to mistakes and might be asking you to provide payments towards a large debt that simply does not belong to you.

The best way to check if you owe money is to send Restons Solicitors a letter asking them to both prove the debts do belong to you, as well as an original copy of the credit agreement, to their registered office address. If Restons Solicitors don’t send you these letters, then legally, they cannot take payment from you.

Find Out The Best Debt Solution Bespoke To Your Financial Situation

30 Second Debt Assessment Quiz

FAQs:

How do I deal with Restons Solicitors debt collection?

If you are constantly being pursued by Restons Solicitors looking to force you to make a debt payment, then you may be wondering the best way to deal with them. We would highly recommend contacting an IVA to seek the legal help you might need. Not only can they wipe a percentage of your debt off, but they can also aid you in finding an alternative payment plan and escape debt collection teams.

What happens if I don’t pay a debt collection agency?

If you don’t pay off your debt to a recovery agency, there may be certain steps they will take to ensure they receive payments. Typically, the will send debt recovery teams to your address to enquire about any payments and why they aren’t receiving any.

After a while, if they still don’t receive any payments they might contact the county court to arrange a county court judgement to get payments from you. They may also sell off the debt to a third party debt collection group to try to make some money back that way.

List of Debt Collection Agencies UK

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

Debt Help

Speak to the debt advisor to check what debt solutions you have to help you consolidate debts into a single affordable monthly repayment.

Quick Links

Personal Debts IVA Debt Help Debt Management Personal Guarantee Debts

Find your best debt solution

Find your best debt solution