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JC International Acquisition

·1697 words·8 mins

Do you owe money to JC International Acquisition LLC?
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Who are JC International Acquisition LLC?
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JC International Acquisition LLC—sometimes called JCIA or Jefferson Capital International—is a debt buyer based in the United States. They purchase unpaid debts from other companies.

In the UK, they work through a company called Creditlink Account Recovery Solutions (CARS), which they bought in 2013. So if you’ve heard from CARS, it’s likely that JCIA now owns the debt.

That means JCIA holds the debt, and CARS is the one chasing payments.

They’ve contacted me. What should I do?
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If you’ve received a letter, call, or message from this debt collector, don’t ignore it. It’s important to act early.

We offer free, confidential advice. We’ll take the time to understand your situation and explain your options in plain terms.

In many cases, we can deal with the debt collector for you and help stop further action—but the sooner you get in touch, the more we can do.

Are JC International Acquisition LLC legitimate?
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Yes, they are a subsidiary of US company JCIA Holdings, LLC. They are a well-known purchaser of debts. They have a registered office at Midpoint, 5th Floor, Alencon Link, Basingstoke, Hampshire, RG21 7PP.

Peter Copperwheat, Head of UK, announced that JC International had received authorisation from the Financial Conduct Authority in September 2016. Their website also states that JCIA debt operate in line with the code of conduct set by the Credit Services Association (CSA).

Are CARS legitimate?
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JCIA operate in the UK in partnership with Creditlink Account Recovery Solutions Ltd (CARS), which is a legitimate company registered in England and Wales under Company Reg. No. 4296927. CARS is authorised and regulated by the Financial Conduct Authority (FCA).

Who do JC International Aquisition LLC buy debts from?
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The firm purchase debts from a range of companies, including:

  • Telecommunication companies
  • Credit card companies
  • Banks
  • Store finance businesses – ones that offer credit for shopping such as fashion items

Will JC International Acquisition LLC come to my house to collect debts?
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JC International Acquisition LLC purchase the debts, and then CARS carry out account recovery services.

They may send field agents to make home visits to discuss your alleged debt. These visits can be a distressing and traumatic experience for you and your family; TV documentaries have reported the effects that they can have on debtors’ mental and physical health.

Phone calls, letters, text messages and visits are some of the common tactics that a collection agency uses to get in touch. If you don’t have a debt management company there to support you with debt advice, it can feel as if everything is against you.

As a long-established independent debt website, we have a vast experience of dealing with creditors such as JC International Acquisition. We understand the methods that they use, and we can stand by your side as we find the best course of action for you.

Will JC International Acquisition LLC chase me if I don’t pay?
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Yes. A debt collection agency will typically chase a debtor until they pay in full or agree a repayment plan. If the debtor ignores their communications, the creditor will likely take court action, such as a county court judgment (CCJ).

You are likely to first hear from JC International Acquisition when they purchase your debt. They will typically send you a letter to explain that you are now their client, and to provide information on their pre-action protocol.This letter should explain the total debt that they believe you owe, along with the details of any charges or penalties which they have added. These types of letter typically give a tight time limit for you to repay in full; usually seven days.

What happens if I can’t pay the money they are chasing me for?
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Your debt letter will usually explain the steps the company will take if they do not receive a suitable response from you. The steps typically include:

  • Visting your home
  • Following the county court process to issue a county court judgement (CCJ)
  • The possibility of bankruptcy (usually if the debt is over £750)

How could a CCJ impact me?
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A CCJ is a court order. If you do not pay it in full within 30 days, it will stay on your credit record for six years and disrupt your ability to apply for credit successfully.

How can we help?
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At IVA Advice, we pride ourselves on the number of clients we successfully support to regain control of their financial situation.

We work with numerous debt solution providers, which enables us to find the right solution for you, and sees you repaying the minimum amount possible.

We request feedback from every person that we help. We love reading the messages of thanks we receive and hearing about how we have helped someone to change their life for the better. You can read these reviews for your self in the Reviews section of our website.

What rights do JC International Acquisition have?
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The debt collection agency acting for JC International Acquisition can exercise the following rights in regards to your case:

  • They can use a secure computer system to keep track of your accounts
  • They can send letters addressed to your name to any address they think you may reside at
  • They can call you as many times as is ‘reasonable’
  • They can visit you at your home, or they have the option to appoint representatives to visit you at home
  • If you tell them that they debt they are contacting you about relates to someone else, they can ask you for proof of your identity
  • They can add a fee, an interest rate and penalties in accordance with the original agreement that you provided your consent for
  • If you do not pay on time, JC International Acquisition can register a default on your credit file. If a default appears on your credit file, it has a very negative effect on your credit rating. Lenders use your credit rating to determine what credit to offer you in the future
  • JC International Acquisition can apply for a CCJ, which can impact your credit rating for the next six years
  • If your debt is over £5,000, they can issue a statutory demand. This method is often the first step towards petitioning for your bankruptcy and you will need to arrange legal representation.

What rights do I have against JC International Acquisition?
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As a citizen of the United Kingdom, you have the following rights when dealing with a debt collection agency:

  • Under data protection laws, they can not speak to others, such as members of your family or your neighbours, about your debt without your permission. For example, they can not talk to your mother about your debt bills.
  • You should not feel a victim of harassment based on the words they use or the way they contact you. However, you can not use their tactics as an excuse not to pay their debt claims.
  • You can request that they only contact you in writing.
  • They cannot pretend that they have powers or an authority which they do not possess. For example, the law now prevents them from showing documents that you could mistake for official court documents.
  • They can not threaten you, tell lies or use abusive language.
  • There are certain items of property that bailiffs are not allowed to collect.

Testimonials
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“Thanks so much to Ethan & Matt for guiding me through the initial process. They were professional, informative and highly supportive.““Good advice and very helpful.““Very helpful and supportive of my situation no judging talked me through the process very professional.”

JC International Acquisition Frequently Asked Questions
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You can contact JCIA through the following channels:

You can make a complaint through the following channels:

Otherwise you can refer your complaint to the Credit Services Association:

They will likely have instructed CARS as their collection agency; please check your debt correspondence to be sure. You can make online card payments to CARS at https://www.paycars.co.uk/.

If you don’t have the money to pay your debt as a lump sum, you might be able to negotiate another payment arrangement such as a payment plan, or a part payment now, with a note to pay the balance at a future date.The following four organisations provide resources to support individuals facing debt problems and debt collection agencies (DCA) like JC International Acquisitions:

  • StepChange
  • National Debtline
  • Citizens Advice Bureau
  • Debt Advice Foundation

Many of the people who reach out to them for support are in desperate situations and have no idea where to start.

While some providers only work with debt balances of £8,000 or more, we have debt solution providers in our network who can provide support with lower amounts.You may be able to claim that your debt is ‘statute barred’ if there has been no communication about it and you’ve not made payments for the last five years if you live in Scotland, or the previous six years if you live in the rest of the UK. Do your research as it’s essential to work from fact rather than just an opinion.

This point is one of the ways that the Scottish debt collection system differs to other parts of the UK.

Financial Advisor at IVA Advice
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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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