The Ultimate Guide to Orbit Debt Collection

Have you had a notification that you have a debt belonging to Orbit Debt Collections? Are you unsure of what to do now?

Continue reading this ultimate guide to finding out exactly what to do and how to react.

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

Do I Qualify?

Who Are Orbit Debt Collections?

I am sure you are confused about who is demanding you to pay back the money? Well, Orbit is a company that will collect debts for residents in the United Kingdom.

Orbit mainly specialises in water debts, so if you have been informed of this repayment- that is the reason.

They collect for many different water suppliers from the UK, you might recognise a few even if you don’t recognise Orbit.

Who are some of the companies they collect for?

United Kingdom water suppliers are partnered with Orbit Debt Collections.

If you are in debt and are unsure why this might be… well, this is your answer.

Some water companies Orbit collects for:

  • South West Water
  • United Utilities
  • Anglian Water
  • Hartlepool Water
  • Southern Water
  • Northumbrian Water

I have received a letter, what do I do now?

You might be finding this a scary situation, as a lot of people would. You might not think this debt is yours? There’s a chance you know it is yours but what to find out what to do now?

This should explain it further…

Firstly, do not ignore the letters and phone calls, this could be drastic and you could get repetitive phone calls that feel like harassment.

Getting in touch with Orbit quickly can make the debt less stressful, more reasonable, and easier to pay.

Then you should ask Orbit to prove the debt. Proving the debt is essential- if they do not prove the debt you do not have to pay anything. However, if they do prove the debt, it just makes you more certain on what you need to pay back.

Orbit has proved my debt, now what?

If your debt has been proven by Orbit Debt Collections you should now think about your repayment. Think about if you can or cannot pay.

If you can pay then you should contact Orbit and discuss what options you have to pay back. The quicker you pay, the less street you will have in the long run.

However, if you can not pay, you should still try to contact orbit as they can help you to find a solution on how to repay them. Orbit is known to be fairly sympathetic, so explaining your situation to them could give many benefits.

Ensure you know the debt is yours before you pay it off, then try to pay it off as quickly as you can as Orbit can take things further than calls and texts- they can legally take you to court.

How old is your debt?

If your debt is over 6 years old then there could be a chance you won’t have to pay for your debt. The debt is not wiped, however, at this point, the only way of making you pay is by taking you to court. (taking people to court through debts does happen, so don’t rule yourself out of it!)

What can Orbit legally not do?

  • Send letters or call you at night time hours
  • Be rude or intimidating (forcing you to pay)
  • continuously request money without sending proof when asked.
  • They cannot shut off your water as this is a human necessity
  • They can not go into your home and seize goods

If Orbit does any of these above, you should address this to Obit until you feel it is not being solved.

After this point, you can complain to the Financial Ombudsman and they will investigate the situation further.

I can’t pay at all, what now?

If you are struggling, you can contact debt charities. Contacting a debt charity can reduce anxiety.

Debt Charities you can reach to:

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

List of Debt Collection Agencies UK

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