What To Do If You Get A Nasty Letter or Phone Call From:
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).
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.
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.
So apply for a debt management plan using the form below.
Also Known As: Scotcall Debt Collectors, Scotcall Ltd, Scotcall Glasgow
Address: 3rd Floor Spectrum House, 55 Blythswood Street, Glasgow G2
Telephone: 0141 2434832
Fax: 0141 248 8663
Email: person @scotcall.co.uk
Extra Data: A
source of misery to all sorts of people north of Berwick.
Scotcall Ltd and
the Truth About Your Debt
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check by applying
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
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
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.
Data On Scotcall Ltd
website proudly proclaims: "Today ScotCall is universally regarded
as the UK's leading Doorstep Recovery Agency. Simply
put, our ethics, expertise, and professionalism are unsurpassed. "
bit of a tautology, then!
Scotcall are a sister company of Wescot.
you have any information that you would like honest people to know
about Scotcall Ltd then send us an email in complete confidence and
we will try to corroborate it with the clowns involved.
scotcall Ltd debt
scotcall Ltd debt
scotcall Ltd debt
scotcall Ltd debt
scotcall Ltd debt collectors
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a look at the Insolvency Service's leaflet called 'In Debt', downloadable
of Debt Collectors
Scotcall Ltd website is part of DPC Registry website group. All rights
reserved. Complaints Against Scotcall Ltd debt collectors.
Legal & Collections
Clarke And Mitchell