The Ultimate Guide to County Court Business Centre

Do you receive letters from County Court Business Centre informing you that you owe money? Who is County Court Business Centre, and what does it do? Is it true that they are debt collectors? What should you do if you receive a written notice from them? The procedures to take after getting a letter from the debt collection agency County Court Business Centre are outlined in this guide.

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Who are County Court Business Centre

The County Court Business Centre (CCBC) was established to streamline the processes transporting repetitious, labour-intensive work from local courts to a single, computer-supported office in Northampton.

How do I get in contact with County Court Business Centre?

The code of conduct to which County Court Business Centre adheres states that they should offer you time to consider your debt management choices till you’ve sought guidance. Of course, they won’t be able to accomplish that until you inform them what you’re up to. You can contact the company by dialling 0844 892 0550 for the County Court Business Centre.

Nothing should be an option, no matter what action you take. Ignored debts aren’t going away, and they’re only going to become worse. If you leave letters or phone calls unanswered for an extended period, County Court Business Centre may take additional action against you.

Are they a legitimate company?

County Court Business Centre is a debt collection agency, and as such, it has the same legal authority as the creditor who originally owned your debt. County Court Business Centre has the right to pursue you for debt recovery within reason.

However, they are not authorised to harass you or phone you at unreasonably inconvenient hours. They must also honour any reasonable request to be reached exclusively by certain methods or at specific times.

Why is County Court Business Centre Contacting Me?

Your account has likely been transferred to County Court Business Centre because you owe money. Loans are usually owed to a separate creditor, which is why you might not recognise their name. They are a debt collection agency that pursues clients for payment on behalf of other businesses that completed a claim form.

What Are My Next Steps?

Check the following before making any payment:

Are you responsible for the debt?

Verify that the debt referred to in the correspondence from County Court Business Centre is your debt. If you’re not sure if the debt is yours, contact a credit agency to see if there are any outstanding debts listed against your name.

Can I use a ‘Prove The Debt’ letter to make them prove it?

County Court Business Centre must be able to demonstrate that the debt they claim to be yours is, in fact, yours. They have no choice but to label the debt as settled if they can’t verify it.

Is my County Court Business Centre debt statute-barred?

Some debts have a time limit, according to the Limitation Act of 1980. In most circumstances, the maximum in England is six years, and in Scotland, it is five years. The ‘clock’ starts ticking when you make a payment on the debt or acknowledge it in writing for the last time. After this point, if the debt meets the criteria, the debt is classified as statute-barred, which means the debt can no longer be enforced under the law. You can also read on a case law about this.

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Do I Qualify?

Is the letter addressed to a different person?

Debt collection letters are frequently sent to an old address. If you receive a letter from a debt collection agency on behalf of someone else, you should contact the agency and explain the circumstances. Even though they may want proof first, the corporation should update its information. However, because credit files are associated with individuals rather than places, your credit score will be unaffected.

I am responsible for the debt and can pay County Court Business Centre. Should I do it?

You are liable to pay the debt if the judgment verified that it is yours, that it is not time-barred, and that County Court Business Centre has proof of the debt. If you have the financial means, the sooner you pay, the sooner the phone calls and mailings will stop.

What to do next if I am unable to make a payment to County Court Business Centre?

If you can’t afford to pay the debt after making sure you’re legally obligated to do so, you have a few options:

  1. Make an agreement with the County Court Business Centre on a payment schedule. Contact County Court Business Centre to see if they can devise a payment plan and timeframe. However, the amount must be reasonable – that is, something you can afford. It should also allow you to pay off the loan in a reasonable amount of time, with no excessive fees, interest rates, or penalties.
  2. Is it possible to get my County Court Business Centre debts forgiven? You can write off certain small claims, but only under the right circumstances. An individual voluntary arrangement (IVA) will consolidate all of your existing unsecured debt into one in England, Northern Ireland, and Wales. You make one low, manageable monthly payment toward this for a predetermined amount of time (typically 60 months), and any residual debt is legally written off after the term. The protected trust deed (also known as a Scottish Trust Deed or Scottish IVA) serves the same purpose as an IVA in Scotland. However, it lasts 48 months instead of 60.
  3. With an IVA or a trust deed, how much of my County Court Business Centre debt can I eliminate? The average amount written off is around 60%, but it may be as high as 90%, depending on your circumstances. We handle your creditors on your behalf because they are not authorised to contact you during the plan.
  4. Is a Trust Deed/IVA right for me? To be eligible, you must have the following:
  • A debt of at least £5,000 (from loans, credit cards, overdrafts, store cards or similar).
  • To live in Scotland, have recently lived in Scotland, or own a business in Scotland.
  • Contribute at least £90 per month to your repayments.

What are other debt management options?

There are a variety of debt management options available, including trust deeds and IVAs. Here are a few examples:

  • A Debt Management Plan is an informal agreement with your creditors to make manageable monthly payments.
  • A Debt Consolidation Loan is used to consolidate all of your present debts into a single, manageable monthly payment.
  • If you qualify for the Minimal Asset Process (MAP), you may be able to have your debt forgiven.
  • A Debt Arrangement Scheme assists you in repaying your debt at a more manageable rate.
  • Bankruptcy, also known as sequestration in Scotland, can help you pay off your obligations, but it comes with many drawbacks and negatively influences your credit report.

If I feel mistreated, how do I make a complaint about County Court Business Centre?

If you believe County Court Business Centre has mistreated you, you may file a complaint with them using one of the following methods:

  • Phone: 0844 892 0550
  • Post: The County Court at Luton Cresta House Alma Street

If you are unhappy with the outcome of your initial complaint to the County Court Business Centre, you can file a complaint with the FOS or the CSA:

  • The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
  • FOS Email: [email protected]
  • FOS Phone: 0300 1239 123
  • Credit Services Association Ltd, 2 Esh Plaza, Sir Bobby Robson Way, Great Park, Newcastle Upon Tyne, NE13 9BA
  • CSA Email: [email protected]
  • CSA Phone: 0191 2170 775

What Can County Court Business Centre Do?

County Court Business Centre can:

  • Come to your house if you don’t pay.
  • Issue a County Court Judgement against you provided that they take you to court first.
  • Dispatch bailiffs to retrieve commodities equal to the debt’s worth.
  • Request a charging order or an attachment of the earnings order.

County Court Business Centre Cannot:

  • Threaten legal action, knowing full well that it is unlikely to be taken.
  • Send letters that appear like court documents or act as if they have the legal authority they don’t.
  • Send bailiffs around without a court order.
  • Pursue you for payment even when your debt is managed through a Trust Deed Scotland or an IVA.
  • Enter your home without permission and remove your belongings.
  • Disguise themselves as bailiffs or legal professionals.

List of Debt Collection Agencies UK

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