Should I Pay Controlaccount (Control Account Plc) Debt Recovery?

Did you get a debt recovery letter from a company you don’t recognise? Are you confused and wondering, should I pay Controlaccount (Control Account Plc) debt recovery?

If so, this post is for you because I explain how to respond so the problem doesn’t get any worse!

Do you have to pay Controlaccount?

You might not have to pay Controlaccount.

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 are Controlaccount?

Controlaccount is a Bromsgrove-based debt collection agency. The business earns its keep by chasing down debts for third-party businesses. That said, don’t confuse them with Enforcement Agents (bailiffs).

They are not bailiffs. Their agents only have the same legal powers as a creditor!

As a debt collection agency, the company offers the following debt recovery services:

• Domestic debt recovery
• European/international debt recovery
• Healthcare debt recovery
• Shipping debt recovery
• Logistics debt recovery
• Education debt recovery

Are controlaccount legit?

Yes. Controlaccount is a legitimate business with a large client base which includes:

• FedEx
• DHL
• TNT
• UPS

The debt collection agency is regulated by the Financial Conduct Authority (FCA). Therefore, the company must follow the ‘rules’ when chasing debtors for money!

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

Can you tell a debt collector to stop contacting you?

Yes. You can ask a debt collector to stop contacting you by writing them a letter. Send the letter registered post and keep a copy for your records. State when and how the debt collector can contact you.

That said, you can’t block a debt collector from reaching out to you. Unless they start using unethical and unlawful tactics!

What should you do when Controlaccount contacts you?

If you get a letter from Controlaccount regarding a debt, don’t bin it! Instead, find out whether the debt is yours by contacting the debt collection agency. Stay in touch with them to prevent things from escalating.

Ask the debt collector to ‘prove’ the debt is yours before doing anything else. So, first, ask Controlaccount to show evidence you owe the money by asking for a ‘prove the debt letter’.

Don’t let Controlaccount fob you off with a verbal confirmation the debt is yours! They must provide hard proof that it is!

Make sure you send all correspondence to Controlaccount by registered post so you know they receive it. If you’re unsure what to write in your ‘prove the debt letter’, seek advice from a reliable source.

What happens after Controlaccount proves the debt?

If you get a letter from Controlaccount proving the debt is yours, knowing your rights can help you cope. For instance, a debt collection agency should:

• Only get in touch with you at reasonable times. You can tell them in writing when and how to contact you. Controlaccount must respect your wishes!
• They must never discuss your debt with other people which includes friends and family which is a breach of your privacy
• Never apply any sort of pressure to make you pay which includes pressuring you to take out a loan to repay the debt!
• Never pretend they have powers they do not have. For example, pretend they can take away your possessions!
• Provide you with a reasonable and affordable payment plan
• Pretend they are bailiffs (enforcement agents) which is against the law

Is your Controlaccount debt statute-barred?

You may have heard about debts being statute barred and wondered what it means. You can’t be chased for a debt that’s over six years old providing the following applies:

• You didn’t acknowledge the debt to your creditor or a debt collection agency within the last six years
• You haven’t made any payments towards your debt in the last six years
• No current active court proceedings are being heard to collect the debt

If the above applies and the debt is over six years old, you can’t be forced to pay. In short, a debt collection agency can’t chase you for the money. However, the debt doesn’t go away, and it may affect your credit history even when it’s statute-barred.

Source: Money Saving Expert 

Could your home be repossessed by Controlaccount Debt Recovery?

No! Debt collection agencies have the same power as an original creditor! So, they can send their agents to visit you but they can’t force their way into your home. Nor can they threaten to repossess it if you don’t pay them!

Would Controlaccount offer you a payment plan?

Yes. Controlaccount Debt Recovery should offer you a reasonable and affordable payment plan to resolve your debt. However, you must keep up the payments to avoid going back to square one.

If you’re unsure whether to accept a payment plan from the debt collector, seek advice from one of the debt charities. Their advice is free and could be invaluable when evaluating a solution and getting the best repayment plan!

What debt charities could help you with a Controlaccount debt?

There are a number of debt charities in the UK that offer free advice to people who fall into debt. I’ve listed some of them here:

• Step Change
• National Debtline
• Citizens Advice

“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

How do you contact Controlaccount?

I’ve listed how to get in touch with Controlaccount (Control Account Plc) Debt Recovery here:

Lastly, should I pay Controlaccount (Control Account Plc) Debt Recovery?

Whether you pay Controlaccount Debt Recovery depends on whether the debt collection agency can prove the debt is yours! If they can’t provide sufficient proof that it is, you won’t have to pay them.

Also, it’s not enough for Controlaccount to simply say they ‘know’ the debt is yours. They must provide hard proof!

Thanks for reading my post. I hope the information in the article helps answer the question, should I pay Controlaccount (Control Account Plc) debt recovery!