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If you have debts of over £5000, you may be able to write off your debt with an IVA
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Table of Contents

Who are SLL Capital?

SLL Capital are a debt recovery agency that typically buys your debt from the original creditor and will pursue you until they are paid in full or you have arranged a payment plan with them.

Their legal powers are limited, but you must understand how to deal with them fully before discussing your individual circumstances with them.

SLL Capital will have received your contact details from the original creditor to whom you owe the debt.

If this SSL Capital is contacting you, please contact us for free and confidential advice.

We will explore all options for you to stop this debt collector from taking any further action. But you must act quickly!

Our advice on how to deal with SSL Capital is always free–we know you want to solve your debt problems as quickly and easily as possible.

Empower yourself with knowledge by reading our debt collector information sheet and article about debt collectors…

Will SLL Capital come to my house to collect debts?

SLL Capital may have sent field agents to make home visits to discuss the alleged debt.

SLL CApital can be a serious headache for both you and your entire family.

Techniques used by SLL Capital can harm your health and the well-being of those around you.

If SSL Capital step over the line and violate any laws, then you may be able to sue them.

SLL Capital use all of the widespread tactics to get in touch with the people who owe them money. Without appointing a debt company to represent you, this may continue.

When dealing with creditors like SLL Capital, we know their tricks and can work together to stop them in their tracks.

How will SLL Capital chase me if I don’t pay?

SLL Capital’s computer systems help them keep on top of their debtors, thanks to its customer relationship management system.

Companies like SSL Capital are seen as some of the shadiest and intimidating people in society. They often take advantage of those who can’t fight back, using aggressive tactics to collect on debts that could be decades old.

SLL Capital have been criticized for their heavy-handed methods by journalists and documentaries alike because they use scare tactics against vulnerable populations like elderly citizens or military veterans with mental disabilities.

SLL Capital are not the worst debt recovery agency we have dealt with, however. We understand that SSL Capital have a job to do, and they are obligated to try and collect the debt owed to banks, lenders, credit card companies or anyone else that can legally request debt be collected.

One of the first points of contact for SLL Capital will be a phone call and letter.

This is to set out their pre-action protocol, which includes how they’ll handle any legal action from you in response, should it happen.

The letter you receive from SLL Capital explaining the debt owed and your options will be sent in writing. It may include penalties or fees, so make sure to read it thoroughly before deciding what steps to take next!

SLL Capital get access to certain information about you that you might want to keep private.

They will know approximately when the debt was incurred, where it was incurred and how much it is for. The debt collectors can know this kind of essential information by law as part of their work.

These steps are usually:

  • A home visit
  • A county court judgement (CCJ), issued by SLL Capital if you fail to repay the debt within this tight deadline
  • A threat of bankruptcy (usually if the debt is over £750)

The letters you receive are standard of any credit provider and not just SLL Capital.

It’s important to try your best not to take these personally, but remember there is help out there for you as long as you act quickly!

Before you start panicking, it is important to keep in mind that debt collectors are just doing their jobs.

They do not care, nor do they have any empathy for your life situation. This means that debt collectors will not be sympathetic towards you and instead see you as a way of making money!

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

What rights does SLL Capital Debt have?

Any company which chases customers for outstanding debts have to follow a rigorous code of conduct.

In our opinion, this still needs to be tightened up as it seems to rely on intimidation.

This is usually demonstrated by the field agents who visit your home and try their best not to let you get away with anything – they are often male and large in stature.

When visiting you at your residence, they can be so intimidating and demanding that many people feel pressured into paying them what’s owed right then instead of waiting until later when things might take care of themselves naturally.

SLL Capital is a company that knowingly takes advantage of people’s hardship and then exploits them for their own gain.

What should you do?

When SLL Capital debt visits you, they must follow a code of conduct: Nobody (unless a debt collector) can come to your property unless they have permission, and debt collectors must always give you their card and identify themselves properly.

This is called the Consumer Credit Act, 2006. (The industry is regulated by this law.)

Can debt collectors harass you online?

Imagine this. You’re in debt, and you decide to ignore the collection notices – any debt collector knows what the best way to get your attention is – harass you online.

However, debt collectors can’t create a fake Facebook page or Twitter account just to harass debtors.

SLL Capital are not allowed to impersonate anyone.

In addition to the prohibition against impersonation through social media outlets, debt collectors are prohibited from misrepresenting their identity when contacting debtors or attempting to collect a debt.

This means that when SLL Capital want to contact you by phone regarding an outstanding debt, they must do so by identifying themselves as debt collectors (or the name of their agency).

Additionally, SLL Capital cannot disclose false, misleading information about debt and collection activities.

An example might include a company like SLL Capital using your name to find more people they can collect from – you might have incurred debt for an online purchase that was never delivered after all.

SLL Capital then contact debtors and use your name/identity to trick you into paying a debt that isn’t yours.

SLL Capital can contact other agencies to have their debt purchases or sold further.

So what does this all mean?

It means SLL Capital debt are not allowed to fake their identity by mentioning something like ‘we are debt collectors from the agency ABC’ if, in reality, they are debt collectors working on behalf of agency DEF.

The FCA has been warning debt collectors against using deceptive tactics and violating debt buyers and sellers regarding collection activities.

Do I have to pay the SLL capital debt?

If you have debt problems, debt collectors and bailiffs will be chasing you for money.

You could be a private individual or an organization. Creditors know that there are several debt collection agencies out there who are willing to chase people down and get their money back from them even if they do not really need it.

However, a debt collection agency should always follow debt collection laws and regulations.

According to laws, debt collectors do not have the right to harass debtors, lie about them to other people, damage their property or endanger their health.

In short: SLL Capital Limited “cannot get away” with illegal debt collections.

SLL Capital must act within laws and regulations.

If you have been harassed by SLL Capital and want to know whether debt collectors exceeded debt collection agency regulations according to laws, you should first be aware of their rights and responsibilities.

To ensure SLL Capital acts within debt collection laws and debt collection regulations, they are being forced to follow guidelines set out by the FCA and CSA.

Specifically, they must keep good faith in the conduct of debt collection proceedings as required by UK law.

Furthermore, those who fail to comply with debt collection regulations can face fines or even debt collection litigation.

Perhaps the most important debt collection laws and debt collection regulations they must be aware of include debt collection statutes of limitations and debt collector communications.

What is an IVA?

An individual voluntary arrangement (IVA) is a formal and legally binding agreement between you, your creditors, and the court.

The courts approve this plan to pay back debts over time and then agreed upon by all parties involved.

This means it’s mandatory for both debtors as well as their creditors; if you don’t stick with the terms of an IVA voluntarily entered into after negotiation–then you could face legal consequences such as imprisonment or fines.

IVA debt solutions typically propose to repay your debts in one or two lump sums and then a fixed monthly payment for the next five years.

The debt recovery firm will stop contacting you as long as payments are on time, but they might start again if you default.

If you do end up missing instalments, debt relief agencies are legally entitled to take a proportion of your future debt payments to reimburse themselves for any court fees and compensation charges incurred while the IVA was being negotiated.

IVAs can be used to repay any debt, including unsecured debt such as credit cards or personal loans; secured debt such as mortgages and loans.

You might be able to consolidate debt through an IVA, but this will depend on your creditors agreeing to the debt relief debt solutions arrangement.

How does an IVA work?

An insolvency practitioner is a person who specialises in good debt management and will work with you on an Individual Voluntary Arrangement.

An IVA usually starts out as a plan to repay your creditors by making small payments each month for the next 5 years but can be worked into any payment schedule that works best for your finances.

The process of setting up this agreement has fees associated so it’s important to do research before committing yourself or getting started with paying back what you owe!

Is SLL Capital Limited a legitimate debt company?

Yes. SLL Capital is licensed by the Financial Conduct Authority (FCA), so they have their debt collection agency license.

SLL Capital Limited is Authorised and Regulated by the Financial Conduct Authority

They are registered in England and Wales Company Number 2410955

Their registered address is: Unit 6B ZK Park, 23 Commerce Way, Croydon CR0 4ZS

SLL Capital are members of the Credit Services Association (CSA)

If you are worried about SLL Capital, you should contact us immediately by calling the number on top of this page or by clicking “Get Started for Free”.

Thomas James

Senior Debt Specialist at IVA Advice

I am a Debt Specialist with over 10 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 debt matters.

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