Complaints Against Scotcall Ltd

Scotcall Ltd is a debt purchasing company or debt collecting company listed in the website of the DBSG (The Debt Buyers and Sellers Group) and/or mentioned in consumer finance forms. They have a legitimate function as debt collectors, but there is some indication that some such companies (not necessarily Scotcall), and especially the debt purchasing element, go a bit too far sometimes and can make people's lives a misery when those same people are at their most vulnerable. We do not suggest that they are acting outside the law, but getting that letter or phone call is not exactly helpful to you right now.

So the first thing you must do if Scotcall Ltd is bothering you is not to panic or despair. That's just what they want! They'd love you to call their number and speak to their specially trained sales team for 'advice'. But once you do that you'll be suggestible to whatever they tell you, instead of getting independent advice. While we always say that you should keep an open dialogue with debt collectors, we would recommend that you do so in writing only. This will prevent them 'railroading' you into any action which is not in your best interests, as they so love talking people into doing things on the spur of the moment. Of course, they are only doing their job, but that's hardly a consolation for you in the present situation.

There are several courses that are open to you, and some will suit your own situation better than others.

A sensible option, we would suggest, is a debt management plan or even an IVA - which is designed to actually write off a large chunk of your unsecured debt. But you would need to take advice on this and look at your income and expenditure in detail. This option won't suit everyone. There's more on this below.

For an alternative type of loan you could apply for a 'logbook loan' which many people find a very handy option. It is actually a loan secured on your car, except you get to keep the car and keep the cash as well! That's why some people find it such a good idea, as it unlocks the equity in your vehicle without taking away your means of transport (there's no need to sell the car). To apply for a logbook loan click here.

Yet another option is a no credit-check guarantor loan. This is especially useful because your own credit rating is not looked at; you must find someone else willing to act as a guarantor for you such as a friend or family member. This is an ideal solution if you're at the stage where your credit profile has been downgraded by recent events, etc. So click the following link for Unsecured Loans that don't need you to be credit checked.

Are you owed money? Have you been missold Payment Protection Insurance with your credit card, loan or mortgage? PPI Advice Line will advise customers openly and honestly about the chance of making a successful claim for their compensation. Find out if you have a claim by clicking here.

If you wanted to try a debt management plan, then we provide a whole-of-market service, with a number of debt management experts on our panel. So whatever your circumstances, your application will find the plan for you, meaning the optimum outcome for your situation. It also means there are no minimum requirements for debt levels or income.

NOTE: If you have at least two accounts in debt, and total debts of £2,000 or more, enter your details below to see if you qualify. (But if you owe less than this, or are on state benefits, then use this link to apply instead.)

Your browser doesn't support IFrames. To view the application form please <a href="http://www.traffic-clearing-house.com/Leadsdb/direct_api/iframes/debt-management-form.php?tchid=e390fc811006d746f209b961a94e8958&subtype=CPA"> click here.</a>

DPC Registry. Consumer Credit Licence number 633327.

Name: Scotcall Ltd
Also Known As: Scotcall Debt Collectors, Scotcall Ltd, Scotcall Glasgow
Address: 3rd Floor Spectrum House, 55 Blythswood Street, Glasgow G2 7AT
Telephone: 0141 2434832
Fax: 0141 248 8663
Email: person @scotcall.co.uk
Website: www.scotcall.co.uk
Extra Data: A source of misery to all sorts of people north of Berwick.

Scotcall Limited is a debt collecting agents that has bought a debt account from the original creditor, usually a bank (or in some cases another debt collecting agency) for about a tenth or less of the original value and is trying to get the full sum of the original account from you.

Scotcall Ltd will use all sorts of methods to get you to set up a standing order in order to profit from your ignorance of the law. You may already have experienced bad dealings with them. They may phone you at odd times and do so unacceptably often. They may send you official-appearing sternly worded letters or cards threatening to 'send the boys round' to collect the money in full or take you to court if you cannot pay. Other tricks may involve attempting an order for sale charge on your property or in some way bring about your homelessness or destitution.

So ask Scotcall Ltd for a copy of the original contract when you took out your loan or credit card.

To find out if you qualify for an IVA or can benefit from a debt management programme, try the IVA Test. It's free to apply, and again you are protected by the consumer laws regarding debt management at all stages. Click here to go to the application form.

More Data On Scotcall Ltd

Take a look at the Insolvency Service's leaflet called 'In Debt', downloadable here.