If you have fallen into financial troubles and are being contacted by a debt collection agency known as Scotcall Debt Collectors, it may be time to seek help. These debt collection companies could try to scare and bully you into paying fees beyond what you can afford.
Do not worry; a debt advice service is exactly where you need to go. Credit management and debt advice is something everyone needs from time to time, and with help, you may be able to reduce your debt by 80-85%.
If you’re looking for the ultimate guide to Scotcall debt collecting services, reasons why they are contacting you, the legal power they have, and everything else in between – you’ve come to the right place!
Did You Know You Can Write Off Up To 85% Of Your Debts?Do I Qualify?
Table of Content
- 1 Where are Scotcall based?
- 2 Are they a legitimate debt recovery company authorised and regulated in the UK?
- 3 What legal powers do they have over me?
- 4 Why is a third party debt collection agency contacting me?
- 5 How do debt collection agencies operate?
- 6 Why is a debt collection agency contacting you?
- 7 What if I cant afford to pay back a debt?
- 8 Can pay, but won’t pay?
- 9 How to deal with debt collectors:
- 10 Before you pay Seek IVA debt advice!
- 11 Up to 85% of your debt could be written off!
- 12 FAQs:
- 13 List of Debt Collection Agencies UK
Where are Scotcall based?
Scotcall is a Glasgow based debt solution company. The debt agents from this company will purchase debts from creditors such as banks, council tax, and loaners. If you’re a customer of companies such as Halifax, Capital One, and Lloyds, Scotcall could be the company that is contacting you if you find yourself in any financial struggles.
Scotcall is a legitimate debt recovery company and is authorised and regulated to run in the UK. This means that they have to follow the rules set by The Office of Fair Trading. Failing this, they could receive a serious penalty or even legal action. Here are a few of the obligations Scotcall will need to make when handling any debt collection service:
- Scotcall is obligated to be fair in their treatment of you.
- The information that they provide must be clear and concise to avoid confusion.
- Be considerate to debtors and the situation they are facing.
- Consider the debtor’s circumstances when deciding the outcome.
If you feel you’re being intimidated by Scotcall or are not following the debt advice guidelines, you should report them to the OFT, and they could have their license revoked.
What legal powers do they have over me?
Debt collectors and debt collection businesses do not have any special legal powers. They may try and pressure you for payments that you cannot afford but do not feel threatened by them. Finding a payment plan and debt management strategy that works for you is what these companies have to be about. They have to be based on your comfortabilities due to the guidelines set by the financial conduct authority.
Why is a third party debt collection agency contacting me?
Third-party debt collection firms collect debts from your original creditor if you owe money and have lost contact. These debt companies will collect debts on behalf of companies such as banks, loan providers and even council tax payments; for a fee.
A debt collection service will buy the original debt at a percentage of the price and then try to retrieve the person’s debt.
How do I get in contact?
The Scotcall Group are known by a few different names, such as:
- Scotcall Debt Collectors
- Scotcall Debt Collecting Services
- Fidélité Credit Management
They are a Glasgow based credit management service and work with Halifax, Lloyds, Vanquis, and Capital One.
If you’re struggling to find their address and want to contact them here is their information:
fidélité Credit Management
55 Blysthwood Street
Contact Number: 0141 212 8500
Fax: 0141 248 6616
Email: [email protected]
These debt collectors will ring you on several different numbers. Here are a few they may try to contact you on:
How do debt collection agencies operate?
When it comes to debt collection agencies, it is good to know how debt collection works. If you have more information on operations, you will have much better know-how in dealing with them. Here are a few factors that you should keep in mind if you are dealing with a debt collection service.
The first one is that debt collection services have incentives and have to meet targets! This is why they are relentless and will not stop until they have contacted you. If you don’t pay them, they don’t have as much chance of meeting their targets.
It is always important to stay strong and affirmative. Don’t let debt collectors bully you; they don’t have any right, or legality that enables them the ability to harass you. Plus, you should never make payments if you can’t afford to.
So how can Scotcall be contacting you so frequently? It may seem like they’re calling you 24 hours a day, but this is due to the automated technology they are using.
If you feel that you’re getting bombarded with phone calls and contact you have the right to report them. Harassment in any way is not allowed and should be dealt with.
This kind of harassment is in breach of OFT’s guidelines, so if you do feel it’s getting out of hand, you can report them to Financial Ombudsman.
If you’re looking to contact the Financial Ombudsman, you can ring them on 0800 023 4567 or 0300 123 9123.
Quite often you’re going to receive many different tactics from debt collection agents. Usually, the conversation will start in a positive tone – but don’t be too surprised if a conversation turns sour when the debt collection agent realises you are not in a position to make payments.
If you’re noticing a shift in tone, it is important that you stay calm and collected with these agents. Try to be as positive as you can, no matter what they are saying to you.
If you feel that the debt collection agent has overstepped the mark and is beginning to hassle you, report them. You can do this by filling out an online complaints form via the OFT website.
If a debt collecting agent struggles to get into contact with you, they may resort to speaking to someone else. This could be a friend, colleague, and anyone else you’re connected to. It’s illegal to do this and furthermore, in breach of privacy laws as well as OFT guidelines.
If you find that debt collectors have been discussing your financial situation with anyone other than you, report them to the Financial Ombudsman. This can be done by calling them on 0800 023 4567 or 0300 123 9123.
You may find that a debt collection agent could decide to make a home visit, reaching you at your home address to discuss your debt in person. This kind of behaviour isn’t allowed, and if this threatens you, you can report it to the police.
Our main advice is not to stress. Scotcall Debt Collectors can be unforgiving in their pursuit of contacting you but remain calm. Your own personal stress is not worth anyone’s time. Please don’t take anything said personally, remember that all they want is the money.
Why is a debt collection agency contacting you?
Debt collection services are everywhere, and their main goal is to get you to give them money. That is the entire basis of their business and how they earn their money.
Persistent calls, emails, texts and letters may be annoying, but you need to take control of your debt. It won’t go away on its own, so it’s time to make a change!
The debt collection business has a bad name for itself, but of course, not all debt collectors are the same. Some will stop at nothing before getting your to pay up. This could include calling you multiple times a day; using an automated calling service in most cases, or even bombarding you with letters.
Although these debt collection agencies do have a right to contact you, they do not have the right to harass you. Sadly, The Office for Fair Trading reported that poor practice within the industry is becoming more widespread.
What if I cant afford to pay back a debt?
If you find that you don’t have the means to settle your debt, you should think about entering an Individual Voluntary Arrangement or IVA. Entering this means you’re in a formal agreement, and you’ll pay a small amount and then write some debt off at the same time. Licenced IVAs can be found locally.
If entering a voluntary arrangement isn’t what you want, you can also opt for a Debt Relief Order or DRO. However, this option is only available for people with a minimum budget of £50 or less following payment of other bills.
If you would like to take this option, you will need to contact an authorised debt advisor.
Can pay, but won’t pay?
Sometimes the thought of paying a debt can be at the bottom of your priorities and the last thing you want to do. This is especially so when you have bills and other financial obligations. Just because you don’t want to make payments doesn’t mean you shouldn’t.
More things can be done regarding debt management, and it is important to arrange with Scotcall so that you can either make a full payment, make a partial payment, or set up a payment plan.
How to deal with debt collectors:
Dealing with debt collectors can be a daunting task at times; they are great at making you feel pressured into paying something you cannot afford. The majority of people do not have an issue with debt collectors, but their tactics of receiving payments can seem unfair.
Harassment and threats are not okay, and there is no reason that you should accept that kind of behaviour.
If you’re constantly harassed and bombarded by a debt collector of any kind, don’t let it bring you stress. We know the main priority is to clear off your debt, but it shouldn’t affect your mental health in any way. The law is on your side, and debt advice can be yours any point you need it.
Seek debt help:
If you find that your debt is becoming overbearing, it is time to take some serious action. This can be done with debt management businesses and non-profit organisations who will help to provide debt solutions when you need it.
Interested In Finding Out More About The Debt Solutions Available?Find Out More
Here is a list of groups that can help you deal with your debt problems:
- Citizens Advice Bureau – They will help you with advice on lots of different issues, including debt.
- Christians Against Poverty – This is a free debt help and advice charity.
- StepChange -This company provides free online debt advice for people who need it.
Check if you really owe a debt collection company money:
If you can clear your debt, then the most sensible option is to settle it and then forget about it, but what if a debt collector is contacting you and you don’t actually owe them any money? It is common for debt collectors to make mistakes and chase people who don’t owe any money, or they have already paid off their debts, and it hasn’t been updated.
If you see a debt that you don’t recognise and feel worried that you’re going to be charged for any money you don’t owe, confirmation should always be got.
To request a copy of the original credit agreement, you can write to Scotcall debt collectors. If you don’t hear anything from them, don’t feel obliged to pay just so that they will stop pestering you.
Before you pay Seek IVA debt advice!
Before you settle any debts that a debt collector is asking for, you should always seek advice. Money advice services can provide you with all the information to prevent any tactics a debt collector may use to pressure you into a payment plan you’re going to struggle with.
Debts come in all shapes and sizes, and not all situations are the same. Seeking advice could potentially wipe your debt down a considerable amount leaving you with a more manageable debt to finance.
Up to 85% of your debt could be written off!
You could have the chance to wipe up to 85% of your debts, leaving you with a more manageable amount to handle. Answering these 5 questions can calculate if you would be accepted for this deduction:
- What is the total amount of your debt?
- How many people do you owe money to?
- What is your monthly income?
- Where do you live?
- What is your living situation?
These questions can give you the information on whether you’re eligible for this 85% deduction. They can be found on a debt calculator.
How do I deal with Scotcall debt collection?
Dealing with Scotcall couldn’t be easier. They are obligated to treat you with respect and without judgment. A payment plan must be made to what suits your financial situation. Never feel that you must make payments that are beyond what you can afford.
Things such as harassment should never be tolerated. If a Scotcall agent threatens to enter your home, you can report them to the financial conduct authority who have the power to revoke their license.
What happens if I don’t pay a debt collection agency?
If you do not pay a debt collection agency, they have the right to take you to court. Rights reserved by Scotcall and any debt collection company means if they’ve been pursuing you for a while and haven’t received any form of contact they can put in a claim to the courts.
Always try and seek advice before making contact with Scotcall, but do not just ignore them as it may cause you more issues than you ever had to begin with.
Find Out The Best Debt Solution Bespoke To Your Financial Situation30 Second Debt Assessment Quiz
List of Debt Collection Agencies UK
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