Mr Lender

Mr Lender is a creditor which are known to support debt help for money owed to Mr Lender please contact us by clicking Get Started for Free above.

Do you need help with Mr Lender?

Are you receiving letters from Mr Lender? Are they sending letters to your home address or your place of business? Do Mr Lender send you text messages or bombard your home phone and your mobile phone with calls at all different times of day? You may even notice that Mr Lender call you from a number of different phone numbers, some may even display as local phone numbers to where you live.

Will Mr Lender come to my house to collect debts?

Mr Lender may have appointed field agents to make home visits to discuss the alleged debt. These visits can be very distressing not only for the person who is the named debtor, but for the entire family. These methods can have a detrimental effect to your mental and physical health, and to the people around you.

These are all very common tactics which Mr Lender 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 creditors such as Mr Lender. We understand the tactics that they use, and we can work with you to get them to stop.

How will Mr Lender chase me if I don’t pay?

Creditors such as Mr Lender use computer systems (often known as customer relationship management systems) to keep on top of their debtors. They often follow a debt process which will make them the most profit. 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 have come some way to reduce their powers, the main tactic continues: intimidation.

The first point of contact which Mr Lender may use will be an introductory phone 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 may have been accrued and a tight deadline for you to repay the debt in full. The letter will usually mention what steps will happen if you do not pay the debt in full. These steps are usually:

  • A home visit
  • A county court judgement (CCJ), issued by Mr Lender if you fail to repay the debt 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 Mr Lender. It is important to not take these letters personally. There is help at hand, but you should act quickly.

Mr Lender may be persistent with phone calls. Phone calls are an effective method of collection for creditors as they recruit advisors who are experienced in applying pressure (to sometimes vulnerable) customers. The main phone number that Mr Lender will call from is . But as we said previously in this page, Mr Lender may regularly use different numbers to call you from which are not usually advertised. This is so they get a higher success rate (contact rate) when calling debtors. If you do receive a call or like this from Mr Lender, it is important to keep calm and level-headed.

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

How can we help?

When you first contact us, you will notice that all of our employees are vastly experienced in dealing with creditors such as Mr Lender. As one of the largest debt websites in the United Kingdom, we pride ourselves in dealing with a high amount of debt related queries in an empathetic, effective and speedy fashion.

We request reviews from every single customer who we help, some of them have given very detailed feedback on how we have helped them and how it has completely changed their lives (in a very 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. This means that you will always find the best debt solution for yourself, without exception. As we are not tied to any one particular company, we can work hard to ensure you repay the very minimum that you need to.

What rights do Mr Lender have?

Any company which chases customers for outstanding debts have to follow a very strict 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. The field agents are usually male, large in stature and they try to command authority with their tone of voice and actions.

But in reality, companies such as Mr Lender are only interested in collecting as much money back in debts as they can. The welfare of the debtors is usually the last thing on their mind.

Mr Lender can exercise the following rights:

  • Mr Lender can send letters to addresses where they think that you live, including new addresses which you have not provided to them
  • Mr Lender can call you on phone numbers which they believe you to have access to
  • Mr Lender can visit you at your home, or appoint representatives to visit you at home
  • Mr Lender can add charges, interest and penalties in accordance with the original agreement you entered into
  • Mr Lender may have the “right to offset”. This usually happens in situations when you have a debt with a bank, but you may also have money held within that same bank (for instance a credit card and a current account)
  • If you do not pay on time, Mr Lender may register a default on your credit file. This sometimes happens very quickly, but you should be given notice of this upfront. If a default is registered on your credit file, it has a very negative effect on your credit rating and your ability to gain credit in the future
  • Mr Lender can apply for a county court judgement (CCJ). If a CCJ is registered on your credit file, it has a very negative effect on your credit rating and your ability to gain credit in the future
  • If your debt with Mr Lender is over £5000, they can issue a statutory demand. This is usually the first step in petitioning for your bankruptcy. You would need to appoint a legal representative (usually a solicitor) to represent you in these circumstances.

What rights do I have against Mr Lender?

As a citizen of the United Kingdom, you are given certain rights to protect you and your family’s wellbeing.

  • Mr Lender can not harass you. They contact you as many times as they want as long as this is ‘reasonable’. This does not have any solid definition but be assured that this means that you should not feel harassed by Mr Lender. You cannot use this as a defence to avoid repaying your debt. You can ask that Mr Lender only contact you in writing, but if you do this you must make sure that you are responsive to these letters.
  • Mr Lender cannot speak to your family, friends or neighbours about your debts. This is in line with UK data protection laws.
  • Mr Lender cannot pretend that they have powers which they do not possess. In the past creditors have used documents which look like official court document. A law has passed to prevent this happening now.
  • Mr Lender cannot be threatening, abusive or tell lies to collect debts.

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

Mr Lender Frequently Asked Questions

WHAT HAPPENS IF I IGNORE MY DEBTS WITH MR LENDER?

If you ignore your debts with Mr Lender, they have the choice of a few different approaches.

Mr Lender may make a court claim against yourself. This is a cheap but popular way for them to reclaim their money. If they choose this method, you would receive a claim form through the post and you would either have to pay the money in full or dispute the bill. If you dispute the bill against Mr Lender you should take legal advice, as a lot of defences will not work in this situation.

CAN I WRITE OFF MY DEBTS WITH MR LENDER?

It may be possible to write off any debts that you have with Mr Lender if you have a total of £6000 or more of unsecured debts. This can include loans, credit cards, catalogues, payday loans, overdrafts and any other unsecured debt.

WHO DO MR LENDER COLLECT FOR?

Mr Lender are a collections agency, this means that they can buy debts from a number of sources and legally pursue them. Some of the most common debts for collections agencies are council tax arrears, parking fines, benefit overpayments, loans, credit cards, telephone bills, water and utility bills.

Ethan Combes
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