Should I Pay Ardent Credit Services Debt Recovery?

Dealing with Ardent Credit Services Debt Recovery can be a big worry. You might be feeling unsure about how to handle this situation.

You’re not alone. Every month, over 12,000 people visit this site seeking guidance on debt topics.

This article will help you understand:

•  Who Ardent Credit is, and why they might contact you
•  What to do if you receive a letter from Ardent
•  How to lower your repayments to Ardent
•  What Ardent can legally do if you don’t pay
•  Free debt advice to help you manage your situation

We know that dealing with debt collectors can be hard; some of us have been in your shoes. With our experience, we’ll help you understand your options.

Why would Ardent Credit Services contact you?

Ardent Credit Services could send you a letter because of an unpaid debt. Maybe you missed a payment on a card or there’s a Vodafone bill that’s gone unpaid. Whoever the money is owed to could instruct Ardent to chase you for payment.

Do you have to pay Ardent Credit Services Debt Recovery?

You may have to pay Ardent if the debt collector proves the debt is yours and it’s not statute barred. If this is the case, try to negotiate a reasonable and affordable repayment schedule with Ardent.

Debt collectors must allow you sufficient time to assess your situation. It gives you time to discuss the problem with an independent debt charity. Their advice is impartial and could be invaluable in working out what you can afford to pay!

Should you bin letters from Ardent?

No. It’s not a good idea to bin letters from debt collectors like Ardent! First, things could escalate and the problem just gets bigger. Moreover, when you don’t open and respond to Ardent, you could be missing out on:

• Discovering the debt is not even yours
• Finding out the debt is six years or older and therefore, it’s not enforceable
• Being offered an affordable repayment plan
• Having some of the debt wiped off

Also, when you ignore Ardent Credit Services, it could lead to:

• Having to face court proceedings
• Getting a Judgement (CCJ) recorded on your credit report
• Having Enforcement Agents (bailiffs) contact you

All in all, responding to Ardent is a good move which could lead to a much better outcome!

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What happens when you don’t pay Ardent?

Ardent is persistent when it comes to debt recovery. After the initial threatening letters you get from them, Ardent could then:

• Have a court issue a judgement against you. A CCJ stays on your credit history for six years and ruins your credit rating
• Make an application for an attachment on your earnings. It means a lien is placed on your wages to repay the debt
• File for an order on your property putting it in jeopardy. Why? Because the debt is then secured against your house. However, it’s pretty rare for this to happen

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What can Ardent legally do?

Debt collectors like Ardent must follow a Code of Practice when they contact you. There are things a debt collector can lawfully do and things they cannot.

Here’s a list of things and actions debt collectors can lawfully do:

• Visit you at home
• Contact you at home
• Discuss a debt with you politely and discreetly
• Ask you to pay them directly

And here’s a list of things and actions a debt collector cannot do:

• Seize your possessions
• Clamp your vehicle
• Force their way into your property
• Pretend they are Enforcement Agents (bailiffs) which is a criminal offence
• Discuss a debt with your neighbours, family, friends or employer
• Use deceitful tactics to get you to pay
• Apply pressure on you to take out another loan to pay a debt
• Use documents that look court-issued when they are not

Can you get out of paying Ardent?

You could get out of paying Ardent Credit Services if:

• The debt collector cannot prove the debt is yours
• The debt is statute-barred because it’s six years old

However, for a debt to be statute barred, you must show that:

• You haven’t accepted liability for the debt
• You didn’t pay any money towards the debt in the last six years
• There are no ongoing proceedings or orders to pay the debt

Seek advice from one of the debt charities if you’re unsure whether a debt Ardent is chasing you for is statute-barred.

Can you prevent Ardent from contacting you?

You can’t prevent Ardent from contacting you. But you can tell the debt collector when and how to contact you!

That said, if a debt collector acts unlawfully by not respecting your wishes, you could complain to their head office. Then you could file a complaint with the Financial Ombudsman!

How do you contact Ardent Credit Services?

I’ve listed Ardent Credit Services’ contact details here: