To Do If You Get A Nasty Letter or Phone Call From:
Who Act On Behalf Of Debt Collecting Firms
Website is for Consumer Protection Information and All Content is in
the Public Domain
Eversheds is a law
firm who act for debt collecting companies and debt purchasing firms
of the type found in 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 clients of Eversheds), 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 clients of Eversheds (or indeed Eversheds themselves)
are 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
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.
As an alternative
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.
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.
be aware that figures entered need to be accurate by law, and to give
the best service to you. It is extremely important that you budget
for all necessary expenditure including rent or mortgage, council
tax and utility bills, etc., and any other necessary outgoings related
to the upkeep of your household and in relation to any specific circumstances
which may apply to you or your household. This website only collects data on behalf
of debt management professionals, from which it will receive affiliate
remuneration for data collection only and does not itself engage in
any debt management services. Other debt management options are available
and may be more suitable. People entering into an IVA or debt management
will have this entered on their credit profile and this may affect
their ability to get credit in the short term or even in the long
term in some cases. It is free to apply from this website; you will
be given advice by debt management professionals and a 'cooling off'
period, by law, to decide whether or not the debt management plan
is suitable for you, and you should be aware that a fee will be chargeable
upon a successful arrangement, as with any commercial transaction.
Failure to meet the repayments on an IVA or any debt management programme
may result in serious consequences, including, but not limited to,
bankruptcy. Bankruptcies, CCJs and similar defaults will be entered
into a public register and will remain there for a statutory period
of not less than six (6) years.
Also Known As: Eversheds Ltd, Eversheds Limited, Eversheds Solcitors/Debt
Address: Bridge Water Place, Water Lane, Leeds LS11 5DR
Telephone: 07831272954 (looks like a cellphone number: perhaps their landline
was cut off!)
Fax: Not Known
Extra Data: See
Get a free QuickCreditScore
check by applying
Eversheds Solicitors and
the Truth About Your Debt
Ask Eversheds Solicitors
(or the people they are acting for) for a copy of the original contract
when you took out your loan or credit card.
On Eversheds Debt Collectors
brief glance at the excellent MoneySavingExpert website will be enough
to summarise what Eversheds get up to. From their forum, a soon to
be discharged bankrupt asks why Eversheds have written to him saying
that they have bought a couple of old debts of his:
have had a couple of letters from a company called EVERSHEDS telling
me they have bought a couple of my debts from the original creditors.
Why would they buy them if there's a chance I am getting discharged
soon ... they are unlikely to get any money ...?
turned out that Eversheds were acting on behalf of their client, another
firm called Max Recovery. The answer from another forum member was
a 2-bit company which buys debts for pennies in the pound in the
hope you should win the lottery.
these debts on as the companies concerned are useless. Nothing more,
nothing less. It is WHOLLY inappropriate for them to do so.... Given
that you are bankrupt, not only is it questionable (yes illegal) for
them to request money from you, but it is also questionable for you to
enter into communication with them.
either Eversheds or their clients is inciting this man to commit an
offence. Nice coming from a solicitor!
can read the whole thread at http://forums.moneysavingexpert.com/showthread.html?t=269171
you have any information that you would like honest people to know
about Eversheds Debt Collectors then send us an email in complete
confidence and we will try to corroborate it with the clowns involved.
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a look at the Insolvency Service's leaflet called 'In Debt', downloadable
of Debt Collectors
Eversheds Solicitors website is part of DPC Registry website group.
All rights reserved. Complaints Against Eversheds solicitors.