Do you owe money to Debt Managers Ltd?
If you have debts of over £5000, you may be able to write off your debt with an IVA

If you have received a letter or card from them, contact us immediately for independent and confidential debt advice. We will explore all of your options to stop this debt collector from taking further action because we know how much stress it can cause. Our advice is 100% free; we aim to help you as quickly and efficiently as possible.
When you are in debt, it feels like your life is out of control. There is nothing more frightening than receiving a letter from the bank or a phone call from an intimidating collector demanding money that you don’t have.

Important: Do not let Debt Managers Ltd into your home, no matter what they tell you. Contact us immediately and we will try to deal with them on your behalf.

So let’s find out more about Debt Managers and how they work …

Will debt collectors come to my house to collect debts? to my house to collect debts?

Debt Managers Ltd have debt collectors who may visit your home or call you on the phone. It is hard knowing what to say when these people show up at your house, and it can also be stressful for other members of your family who are there with you when they do.
We recommend keeping a copy of the debt letter or card these people have sent to you. If they show up at your door, refuse them entry and politely ask them to leave. You might want to take some photos on your phone, too, just for evidence purposes.

Phone us if this happens so we can give you free independent debt advice about what to do next – but please act quickly as their visits are unannounced and could occur without warning!
Our advice in all circumstances is: Do no let Debt Managers Ltd into your home!

If you have been contacted by Debt Managers Ltd., contact us immediately and we will try to deal with them on your behalf.

Here’s what you need to know about debt collectors

When it comes to debt collectors, there are a few things you should know.

Firstly: they’re not bailiffs, so locking your doors and other access points are the best way to ensure that these people won’t be able to enter without permission.

Secondly: debt collection agencies may try their luck by over-representing themselves, but again – they cannot legally come into your home if all of the entrances are locked!

The debt collection methods most commonly used today can be detrimental to your mental and physical health. Be sure not to let that happen!

They will use any means necessary to contact people who owe them money, even if that includes home visits, nasty phone calls and letters. Without appointing a debt company to represent you, this may continue.

We are here to help with all aspects of debt management

We understand a visit like this can be very intimidating. That’s why we suggest that you contact an independent advice company, such as IVA Advice, to help with your situation and guide the process for you.
As a long-established independent debt website, we have vast experience dealing with creditors such as Debt Managers Ltd. We understand the tactics that they use, and we can work with you to get them to stop.

How will Debt Managers chase me if I don’t pay?

Creditors such as Debt Managers Ltd use computer systems (customer relationship management systems or CRMs) to keep on top of their debtors and often follow a process that will make them the most profit. Their goal is for you to start making payments out of fear, and they have secure internet payment facilities where you can make payments.

Step 1

The first step is getting contact information about you from public records or databases, including consumer reporting agencies, credit bureaus, motor vehicle registries and land title offices; this way, they can get accurate, up-to-date data for when it comes time for legal action against you if payments are not being made promptly enough via the payment facility.

Step 2

Second in line is trying to collect money using different methods like making personal calls, sending letters/reminders with threats of court actions etc. These methods are often seen as aggressive, and you may have seen documentaries and news articles criticising the heavy-handed nature of debt collectors and bailiffs.

Although the Government has come some way to reduce debt collectors’ powers, the main tactic continues: intimidation.

They will keep on searching until they find you. Debt collectors have been known to travel, show up at your workplace or even come looking for you if need be to collect what you owe.

What to expect from Debt Managers Ltd

Debt Managers Ltd. may use the first point of contact will be an introductory call and letter. This is to set out their pre-action protocol. You will usually receive (in writing) a letter explaining the total amount of debt owed, any charges/penalties which you may have accrued and a tight deadline for you to make payments of the debt in full. The letter will usually mention what steps will happen if you do not pay the debt in full.

Here are the steps they usually take:

  • A home visit
  • A county court judgement (CCJ), issued by Debt Managers Ltd. if you fail to make payment within this tight deadline
  • A threat of bankruptcy (usually if the debt is over £750)
Letters like this are very standard with every credit provider and not just Debt Managers Ltd. It is essential not to take these letters personally. There is help at hand, but you should act quickly.

Introducing the IVA Calculator

With IVA Calculator, you can find the best company for your specific circumstances and submit documents electronically. Don’t let debt control your life any longer by using this tool!

The idea of applying through a paper-based application process has been put behind us thanks to technology like our new calculator. Now we’re able to gather all of the information that creditors want before submitting it digitally with one click, saving time and effort while expediting processing times so that you don’t have to wait months for an answer about whether or not they’ll accept what is owed.

It’s never too late: reclaiming control over debts will lead to less stress in all aspects of your life.

Are Debt Managers Services Ltd regulated by the Financial Conduct Authority (FCA)?

Debt Managers Ltd. is a Debt Collection company registered in England in 2012 with a company number 08092808. Their full company name is Debt Managers (Services) Ltd, based in Solihull, West Midlands, B90 4LH. They’re authorised and regulated in England and Wales as authorised by the Financial Conduct Authority for accounts formed under the Consumer Credit Act 1974 (FCA) in the UK.

If Debt Managers Ltd. has contacted you, contact us immediately, and we will try to deal with them on your behalf.

Debt Managers Ltd Frequently Asked Questions

What happens if I ignore my debts with Debt Managers Ltd?

If you ignore Debt Managers Ltd, they have the choice of a few different approaches when it comes to debt collection.
Debt Managers Ltd could make a court claim against you. This is a cheap but popular way for them to reclaim their money. If they choose this method, you will receive a claim form in writing through the post, and you would either have to arrange to make payments to pay the money owed in full or dispute the bill. If you dispute the bill against Debt Managers Services Ltd, you should take legal advice, as many defences will not work in this situation.
This is what we established our debt advice service to help with. You can call us at any time to discuss your debt.

Can I write off my debts with Debt Managers Ltd?

It may be possible to write off any money that you owe with Debt Managers Ltd if you have a total of £6000 or more of unsecured liabilities. This can include loans, customer credit cards, catalogues, payday loans, overdrafts, and other unsecured debt. When dealing with a company that the Financial Conduct Authority (FCA) regulates, there will be a process that Debt Managers Services Ltd will follow if a bankruptcy claim is filed or an individual voluntary arrangement is applied for.

Who do Debt Managers Ltd collect for?

Debt Managers Ltd are a collections agency; they can buy debts from several sources and legally pursue them. The most common debts for collections agencies are council tax arrears, parking fines, benefit overpayments, loan payments, credit cards, telephone bills, online water account and utility account bills. They will also chase outstanding payments and contact you on behalf of other companies.

How long will the debt collection process take?

Debt collectors will chase you for as long as it takes you to repay the debt. They buy debts from your original creditor where you were a customer, then try and collect more than what is owed because they profit from each transaction. You should call us first to offer independent advice about how best to deal with this matter before contacting them directly or making any payments through their secure payment facility- our experience of working in such situations means that when you contact us, we’ll be able to help instantly!

Is a debt collector the same as a bailiff?

A debt collector has the same authority as your original lender and will have to adhere to regulations set out by the Financial Conduct Authority for accounts formed under the Consumer Credit Act 1974 (FCA). This means they have no right to enter your property or repossess any goods or vehicles, but things are different with a bailiff. A bailiff is issued with more authority, making life difficult for you if you don’t comply!

What if they are chasing me about a debt that isn’t mine?

Sometimes, debt collectors will not start collecting on your debts for several years. When they do, it can be challenging to remember what you owe and sometimes the collection company has made a mistake or messed up a reference number and thinks that you still owe money when you don’t. Sending them a ‘Prove It Letter” is often enough to get evidence from either side of this mess so that if there was an error, then it gets fixed.

Shall I send a ‘prove it’ letter or ignore debts that aren’t mine?

Sending a ‘prove it’ letter is not always the right thing to do. If you are receiving debt collection demands addressed with your address, but that isn’t actually yours, then don’t reply as there’s no point in wasting time and money on something that doesn’t involve you at all. You should also be aware of if your debts may have become statute-barred, which means they’re over six years old and cannot legally be enforced anymore – so unless an expert has confirmed this for sure, just keep ignoring them!

Jonathan Michaels

Financial Advisor at IVA Advice

I am a CII Advanced Diploma Financial Advisor with over 15 years of experience working with FCA Regulated Finance Companies in the insurance, credit card, loan and debt industry.

I am very familiar with The Civil Enforcement Association and the High Court Enforcement Officers Association and I have written extensively on Financial Services matters.

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