Debt Recovery Plus Notice of Intended Court Action – Guide
For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.
For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.
If you’ve received a notice from Debt Recovery Plus about court action, you might be feeling a bit worried. But you’re not on your own. Many others face this too, and every month, over 12,000 people come to this site seeking advice on debt topics.
In this article, we’ll help you understand:
- Who Debt Recovery Plus is and if you have to pay them.
- If Debt Recovery Plus is a real debt collection agency.
- Ways to reduce your repayments.
- What debt collection agencies can and cannot do.
We know how hard it can be to deal with debt as some of us have been in your shoes, faced with debt and not sure what to do. Keep reading to learn more about dealing with Debt Recovery Plus and the steps you can take. Remember, we’re here to help you through this worrying time.
Should you ignore Debt Recovery Plus?
No. It’s never a good move to ignore a debt collection agency as demonstrated above. More especially when they send you a Notice of Intended Prosecution (NIP)! The notice could be just a threat tactic to get you to pay.
But on the other hand, the threat could be real and DRP may follow through on it!
Moreover, when you ignore a debt collector, things only get worse. Plus you could be missing out on some very important information relating to the debt in question.
For instance, you may not find out the following:
- That the debt is too old to enforce and deemed statute barred
- That the debt is someone else’s and not yours at all. In short, DRP Debt is chasing the wrong person!
Other reasons why it’d be a mistake to ignore DRP debt are:
- You’d not be aware of losing court action taken out against you
- You wouldn’t know that a CCJ has been recorded on your credit file
- The debt collector may have wiped some money off the debt making it easier to settle if you’d responded to them
- DRP would’ve offered you an affordable repayment plan if you’d let them know you were seeking advice from a debt expert
What happens after you get a NIP over a parking charge notice?
Parking Charge Notices are effectively parking fine on private land which is only enforceable when a court orders you to pay. When you don’t pay on time or you ignore the ticket altogether, chances are you’d get a few reminders that you owe money!
If a private operator can’t get hold of you, they could well pass your details on to DRP and they’ll chase you for payment. You’d get a Notice of Intended Prosecution demanding payment or face court proceedings!
However, you should check several things before paying any money to DRP! But you should do so sooner rather than later just in case DRP debt collectors take the matter further!
How a debt solution could help
Some debt solutions can:
- Stop nasty calls from creditors
- Freeze interest and charges
- Reduce your monthly
A few debt solutions can even result in writing off some of your debt.
Here’s an example:
Situation
| Monthly income | £2,504 |
| Monthly expenses | £2,345 |
| Total debt | £32,049 |
Monthly debt repayments
| Before | £587 |
| After | £158 |
£429 reduction in monthly payments
If you want to learn what debt solutions are available to you, click the button below to get started.
Should you ask DRP to prove the debt is yours?
Once you’re certain the debt isn’t statute barred, the next step is to get DRP to prove it’s yours and not someone else’s. You have every right to make this request and Debt Recovery must respect it.
An unscrupulous recovery agency may try to fob you off with a verbal confirmation that you owe the money. However, you should always ask them to produce written proof. Verbal confirmation is not enough!
A judge would throw out a case where Debt Recovery Plus can’t prove the debt is yours and you won’t get a county court judgement.
The sort of proof you owe the money could be a copy of a Credit Agreement or Contract you entered into. But the copy must be authenticated or it’s not worth the paper it’s written on.
What if Debt Recovery Plus can’t prove the debt?
When Debt Recovery Plus can’t prove a debt, they can’t make you pay. Moreover, you can’t be taken to court and a judge won’t issue a County Court Judgement against you!
So, you should write back to the debt collection agency telling them you won’t pay because they failed to prove the debt is yours!
Debt Recovery Plus should stop contacting you and if they don’t, you should file a complaint with them. Next, report Debt Recovery Plus to the Financial Ombudsman Service!
Thousands have already tackled their debt
Every day our partners, The Debt Advice Service, help people find out whether they can lower their repayments and finally tackle or write off some of their debt.
Natasha
I’d recommend this firm to anyone struggling with debt – my mind has been put to rest, all is getting sorted.
Reviews shown are for The Debt Advice Service.
How do you contact Debt Recovery Plus?
I’ve listed how you can contact Debt Recovery Plus in the table below:
| Website | https://mydebtrecovery.co.uk/ |
| By phone | 0800 009 6106 0208 234 6775 |
| Via email | [email protected] |
| In writing | Suite 4, Chatmohr Business Park, SO51 6AP |
