You've had a letter from a debt collection company
A letter from a collection company is not something to ignore, and it is not something to rush either. The sensible middle ground is to find out what the account is before you respond to the amount.
If you don't recognise or understand the account, ask for details so you can check it before deciding what to do: what it relates to, when it was opened, how the balance was worked out and who the original creditor is. Put the request in writing and keep a copy.
If money is tight, or you are not sure where you stand, free debt advice is available from Citizens Advice, National Debtline and StepChange. Talking to them costs nothing and they can look at your own circumstances, which Feoh cannot.
Give this to Feoh
Answer a few questions and Feoh works out the next step, lists the evidence to keep and writes the message for you to send.
Work through this letter with FeohWhat to gather first
- The letter itself, and the envelope
- The reference number and the date on the letter
- Any earlier letters or emails about the same account
- A note of anything you have already paid or agreed
What to do
- 1Read the letter and note the reference, the amount and any date they have given.
- 2Check whether you recognise the original creditor.
- 3Ask in writing for details of the account so you can check it.
- 4Keep every letter and reply together in date order.
- 5If the letter mentions court or legal action, treat the date as urgent and get free advice quickly.
Questions people ask
- What should I do first?
- Note the reference, the amount and any date on the letter, then check whether you recognise the account. If you don't, ask the sender in writing for details so you can check it before deciding what to do.
- Should I ignore it?
- No. Ignoring letters tends to make things harder later, particularly if a deadline is involved. Asking for written details is a low-risk first step, and free debt advice is available if you are unsure.
Other problems Feoh helps with
- Parcel says delivered but you haven't received it
- A company has refused your refund
- Charged after you cancelled
Feoh helps you organise and act on everyday admin problems. It isn't a law firm, debt adviser or regulated financial adviser. Nothing is sent to anyone unless you send it yourself.