Should I Pay Ardent Credit Services Debt Recovery?

Did you get a letter from a debt collector saying you owed money? Has it led you to ask the question, ‘should I pay Ardent Credit Services Debt Recovery’? If so, you’re not the only one and my post could clear up the question for you!

Read on for more info on how Ardent Credit Services Debt Recovery operates in the UK and why you should contact them.

Do you have to pay Ardent Credit?

You might not have to pay Ardent Credit.

If you genuinely can’t afford your debt repayments then looking into whether you could have your written off might be just what you need. 

If you want to find out whether you qualify for having debt written off or payments lowered then fill out the short form below.

Who is Ardent credit?

Arden Credit is a “credit management provider” that claims to be an award-winning debt collection service. They mainly work within the commercial and consumer sectors.

That said, their Debt and Revenue Services division deals with debt recovery. The business headquarters are based in Knowsley.

Is Ardent legit?

Yes. Ardent Credit is a legitimate debt recovery business and part of CSA (Credit Service Association). The debt collector is also regulated by the Financial Conduct Authority (FCA).

However, over the years, Ardent has earned a negative reputation from people they contacted! Many of the reviews involve being chased over fake debts or fake unpaid debts!

Check out what happened to one person Ardent contacted!

Source: Moneysavingexpert

Can you lower your repayments?

If you’re struggling to pay back your debt, then you might qualify for a debt solution.

Some solutions lower your monthly payments while others write off a portion of your debt. 

To find out whether they could work in your situation, hit the button below.

Get Started

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.

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!

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!

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

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

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.

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!

How do you contact Ardent Credit Services?

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

 What free debt advice is there?

Don’t try to cope on your own if you’re stressed out or confused about an Ardent Credit Services letter. Instead, seek impartial advice from one of the debt charities.

I’ve listed three UK debt charities below:

• Citizens Advice
• National Debtline
• StepChange

“It will only get worse” 😩

It’s cliché to say, but with debt it’s true; the longer you leave it, the worse the problem gets. 

There are straightforward and effective ways to deal with debt, but you have to know your options. 

Fill out the short form to find out about the debt solutions that could reduce your monthly payments or even write off some of your debt.

Get Started

Lastly, should I pay Ardent Credit Services Debt Recovery or not?

Getting a letter from a debt collection agency is disturbing whether you’re aware you owe the money or not. Maybe your finances were in a bad state a while back and it meant you couldn’t pay something.

Whatever the reason, don’t panic. But don’t ignore things either! Instead, write to Ardent and ask them for hard proof the debt is yours. Next, check whether the debt they’re chasing you for isn’t statute barred!

Confronting the problem positively would lead to a better outcome and could avoid things from escalating out of control.

So, to answer the question, ‘should I pay Ardent Credit Services Debt Recovery or not?’ is to make sure the debt is yours and not statute-barred first.

Thanks for reading my article. I hope the information answers the question and helps you deal with a stressful situation so it leads to a better outcome.