Do you owe money to Advantis Credit?
If you have debts of over £5000, you may be able to write off your debt with an IVA
Who are Advantis Credit?
Advantis Credit are a debt collection company with a company number of 05223252. Their full company name is Advantis Credit Ltd. They are authorised and regulated by the Financial Conduct Authority (FCA), and a member of the Credit Services Association.
Advantis collect debt on behalf of HMRC, the DVLA, utilities companies such as British Gas, and lenders. They claim to work with over two million customers per year.
Important: Do not let anyone from Advantis Credit into your home, no matter what they tell you. Contact us immediately, and we will try to deal with this problem on your behalf before they come through your door and seize your property.
So, who are Advantis Credit, and how do they work?
Do you need help with Advantis Credit?
Are you receiving letters from Advantis Credit?
Are they sending letters to your home address or your place of business?
Do Advantis Credit send you text messages or bombard your home phone and your mobile phone with calls at different times of the day?
You may even notice that Advantis Credit call you from several different phone numbers, some may even display as local phone numbers to where you live.
Will Advantis Credit come to my house to collect debts?
Advantis Credit may have appointed field agents to make home visits to discuss the alleged debt. These visits can be very distressing not only for the named debtors, but for the entire family. These methods can have a detrimental effect on your mental and physical health, and to the people around you.
These are all very common tactics which Advantis Credit use to get in touch with the people who owe them money. Without appointing a debt company to represent you, this may continue.
As a long-established independent debt website, we have a vast experience of dealing with debt collectors such as Advantis Credit. We understand the tactics that they use, such as bullying and threats, and we can work with you to get them to stop.
How can we help?
When you first contact us, you will notice that all of our employees have significant experience in dealing with debt collectors such as Advantis Credit. As one of the largest debt websites in the United Kingdom, we pride ourselves on dealing with a high amount of debt-related queries in an empathetic, effective and speedy fashion, and providing high-quality information to our customers.
We request reviews from every single customer who we help, some of them have given very detailed feedback and messages of thanks about how we have helped them with their debt issues. We love to hear about how our help has given our clients hope, results and completely changed their lives (in a short space of time). So please check out these reviews and see for yourself!
We deal with a variety of debt solutions and a wide range of debt companies; meaning that you will always find the best debt solution for yourself, without exception. As we do not have ties to any particular collection company, we can work hard to ensure you repay the very minimum money that you need to.
What rights do I have against Advantis Credit?
As a citizen of the United Kingdom, you have specific rights to protect you and your family’s wellbeing when dealing with a debt collection agency.
- Advantis debt collectors can not harass you. Their collection tactics can include calling as many times as they want as long as this is ‘reasonable’. What constitutes ‘reasonable’ does not have a concrete definition but be assured that this means that you should not feel a victim of harassment by Advantis Credit. However, you cannot use this tactic as a defence to avoid repaying your debt. You can ask that Advantis Credit only contact you in writing, but if you do this, you must make sure that you are responsive to this manner of communication.
- Advantis debt collectors cannot speak to a family member (such as your mother), friends, neighbours or other third party individuals about your debt problems, or to find evidence, without your consent. This practice is in line with UK data protection laws.
- They cannot pretend that they have powers which they do not possess. In the past debt collection parties have used documents which look like an official court document. A law has passed to prevent this from happening now.
- Advantis debt collectors cannot be threatening, abusive, make false allegations or make false claims to collect and process your debt. If you feel physically threatened by a bailiff, then you can contact the police.
If you are worried about Advantis and their actions, you should contact us immediately by calling the contact number on top of this page, or by clicking “Get Started for Free”. We can speak to their debt collector, bailiff, or representative on your behalf and start to reduce the stress for you.
In just one call, you can receive the debt advice you need to understand your options and what impact they will have on your money and your credit file. If you are at the stage of constantly worrying about your debt, and feeling that you have no power in the situation and that there is nothing you can do, don’t despair; there is always something that you can do.
Can Advantis take me to court?
Yes. If you do not repay your debt or communicate with Advantis, they can take you to the courts, for legal action to recover your debt through a court order. This action can eventually lead to bailiffs entering your property without your permission, following receipt of a County Court Judgment.
Advantis Credit Frequently Asked Questions
What happens if I ignore my debts with Advantis Credit?
If you ignore your debts with Advantis Credit, they have the choice of a few different approaches to recover your debt.
Advantis Credit may make a court claim against you, which is a cheap but popular way for them to reclaim their money. If they choose this method, you will receive a claim form through the post and you would either have to pay the money in full, following their instructions, or dispute the bill. If you dispute the bill against Advantis Credit, you should take legal advice, as a lot of defences will not work in this situation, and incorrect action will increase your chances of further trouble. Make sure your legal representative gives you clear information, so you understand the implications of disputing your debt.
Can I write off my debts with Advantis Credit?
It may be possible to write off any debts that you have with Advantis Credit if you have a total of £5000 or more of unsecured debts. This approach can include loan debt, credit card debt, catalogue debt, payday loans, overdrafts and any other unsecured debt.
Who do Advantis Credit collect for?
Advantis Credit are a debt collection agency; this means that they can buy debts from numerous businesses and legally pursue them, as long as they meet specific standards and guidelines, to make a profit. The majority of debts for collections agencies relate to council tax arrears, car payments, parking fines, benefit overpayments, loans, credit cards, telephone bills, water and electricity bills.
Suppose you have a credit agreement with one of these businesses. In that case, the terms and conditions allow them to sell on your unpaid debt to Advantis Credit Ltd, other debt collections agencies or they may chase you directly for payments.
Do Advantis work for HMRC?
Yes, Advantis debt collectors organise debt repayments from people who owe money to HMRC.
Are Advantis Credit legitimate?
Advantis Credit Ltd incorporated in September 2004, under company registration number 5223252. They are registered in England and Wales with the following registered office address: Floor 9 Peninsular House, 30-36 Monument Street, London, England, EC3R 8LJ.
They are a legitimate debt collection agency.
How can I contact Advantis debt collection?
You can contact the company about debt collection in the following ways:
- Phone: 01782 971 346
- By post: Advantis Credit Ltd, Minton Hollins Building, Shelton Old Road, Stoke-on-Trent, Staffordshire, United Kingdom ST4 7RY
- Email: firstname.lastname@example.org
You can also find a lot of information on their website at https://www.advantiscredit.co.uk/
Customers have reported that Advantiscredit called them on 01782 401125.
How can I make a complaint about Advantis debt collectors?
If you have a complaint relating to the performance of Advantis debt collection, address a letter to Advantis Credit Ltd – Complaints Department, Minton Hollins Building, Shelton Old Road, Stoke-on-Trent, Staffordshire, ST4 7RY.
Alternatively, you can contact them in the following ways, quoting your reference number:
- Phone: 01782 401100 (should be free for most mobiles)
- Email: email@example.com
If you are unhappy with how Advantis debt collection have dealt with your complaint, you can refer the details and your circumstances to the Financial Ombudsman Service. The Office of Fair Trading (OFT) is no longer involved in this process. Make sure to keep a copy of all communications the company has sent you, as evidence.
Who collects HMRC debt?
At the time of writing, HMRC uses the following debt collection agencies to collect monies due following a County Court Judgement:
- 1st Locate (trading as LCS)
- Advantis Credit Ltd
- Bluestone Consumer Finance Limited (trading as Bluestone Credit Management)
- BPO Collections Ltd
- CCS Collect (also known as Commercial Collection Services Ltd)
- Oriel Collections Limited
- Past Due Credit Solutions (PDCS)
How do Advantis debt collection work?
One of the reasons you are likely to receive so many phone calls, perhaps followed up by text message, is that Advantis staff are likely to be paid a bonus for the money they collect, so they have incentives to be persistent. They may also use automated calling systems, which could mean you receive a regular phone call throughout the day from different numbers.
When they send bailiffs to reclaim items of value from your property to repay your creditor, you may incur collection charges if they are not able to enter your property.
How can I pay Advantis?
The easiest way to pay your debt letter is by making a payment through the link on their website. You can speak to them to see if you can negotiate an arrangement to make part payments, or instalments on your account, rather than letting their bailiffs take your possessions, or making a lump sum payment that you can’t afford. The last thing you want to do is leave yourself without money in your budget to pay for vital things such as rent, which will put you further into debt.
Alternatively, contact one of our debt specialists to take control and see what other option could be in your interest. Our team of experts have knowledge about debt collection rules, debt collection guidance, charges, doorstep collectors, bankruptcy, individual voluntary arrangement (IVA), and the tricks that a debt collection agency may use on a debtor. Feel free to call us for a chat and some tips to help you to get your life back on track. You are not alone; there are many others in the same situation.
I think my debt letter is a mistake
If you think the debt collection agency (DCA) has made a mistake in the record of your debt, you can ask them to supply proof that you owe this money and to list what costs, interest rate or charge they have added to your case. You have the right to ask a question or make a point on anything that you think is unclear or not correct, and to expect a response.
It’s not uncommon to receive a notification about a debt relating to someone else’s activities. The agent may ask you to prove your identity before they will remove your address details from their collection database. It’s important to ensure that your family’s names are not associated with someone else’s debt.
Where can I do for support with creditors?
If you would like debt collection guidance, then several institutions such as the Citizens Advice Bureau and StepChange can support you with the steps, industry guidelines and support from others to get your life back on track.
Please note that debt is something that impacts millions of people around the world, so don’t feel that you have to have the strength to deal with everything on your own. It can often feel that there is no end in sight, but in fact, by reading just one article or resources and posts from a supportive body, you will see there is a lot you can do. You’ll also see example after example of a person who has become fed up with living with unrealistic levels of debt, and then sought help to turn their life around; then the rest is history!
If you are receiving threats or have a question, then reach out to one of these bodies, or to our team of experts who will answer your questions and turn your money problems into results. Remember, at this moment, there is someone in the same place with their money as you, and there are things you can do today to start on the right road out of this difficulty.
Our staff make it their business to look after your interests, to support and guide you through the process and give you peace of mind. Call us for free on 0800 233 5753.