Should I Pay or Ignore JCIA Debt Collectors?

Feeling worried after receiving a letter from JCIA Debt Collectors? It’s normal to feel this way, but remember you’re not alone. Over 12,000 people visit this site every month seeking advice on debt matters.

In this article, we’ll discuss:

•  Who JCIA are, and if they are a real debt collection agency
•  What happens if you ignore their letters or calls
•  How to lower your repayments to JCIA
•  The legal rights you have when dealing with JCIA
•  What to do if you receive a debt collection letter for someone else

We understand the stress and fear that can come with dealing with debt collectors; our team is made up of people who have faced these challenges themselves.

Don’t worry; this guide aims to provide you with the information you need to handle this situation in the best way for you.

Do you have to pay JCIA?

You might not have to pay JCIA.

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.

Is JCIA a legitimate debt collection agency?

Yes. JC International Acquisition is a legitimate company. Their core business centres around buying unsecured debt from other companies. 

In short, JC Internationals Acquisition (JCIA) could have purchased a debt with your name on it.

Is JC International Acquisition regulated?

Yes. Not only is JC International Acquisition regulated but the business is also a Credit Services Association member.

As such, when becoming a Credit Services Association member, JC International agrees to follow their Code of Conduct when they buy unpaid debts to collect on them.

Like all recognised debt collection companies, they’re regulated by the Financial Conduct Authority (FCA)to operate in the UK to collect debts.

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.

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Who uses JC International debt recovery services?

As mentioned, JC International Acquisition buys debts from other companies. It’s their business model to purchase debts for a fraction of their value.

Their profit margins are huge when they successfully recover outstanding debts!

They tend to purchase debts in the following sectors:

• Telecommunications
• Payday loans
• Insurance providers
• Credit card companies

Should you ignore a debt collector?

It’s not a good idea to ignore JC International Acquisitions when they attempt to contact you. Whether you owe money or not, it’s best to respond sooner rather than later.

After all, if JC International is chasing you for an outstanding debt you don’t owe, they won’t know unless you tell them!

Debt collection agencies are persistent and you’ll continue to get a flood of texts, emails, letters and unwanted phone calls!

In short, you need to inform a debt recovery agency that they’re chasing the wrong debtor! Moreover, send the letter by registered post and don’t sign it.

Check out what happened to one person JC International contacted:

Source: Moneysavingexpert

What happens when you ignore JC International?

Ignoring debts can lead to more stress and anxiety! Like most debt collection agencies,  JC International Acquisition can be persistent and could bombard you with phone calls.

Apart from that, you may find that important information about a debt goes by the wayside. Things like:

• The debt is too old to enforce and meets the right criteria
• You don’t even owe money to the original creditor and JC International can’t prove you do

Would JC International take you to court?

Yes. When you ignore a debt letter or you refuse to pay a proven JCIA debt, you could face getting a county court order to pay.

However, a debt collection company must send you a Letter Before Action (LBA).

When you ignore the notice of intended prosecution, you could get a County Court Judgment (CCJ) on your credit file that’ll harm your credit rating.

A CCJ on your credit report will make it hard for you to get a credit card, bank loan or mortgage for six years!

You may also find that enforcement agents are instructed to recover the money owed. They could visit your home and seize possessions.

Can debt collectors come into your home?

No. Field agents cannot legally enter your home unless you invite them in. However, you shouldn’t even open the door to a field agent!

You have the right to speak to them through the letterbox or from an upstairs window. Moreover, you can ask them to leave, which they are obliged to do!

Should you reply to a JCIA letter?

Yes. You should reply to a JC International debt letter even when the debt isn’t yours or you believe it’s too old to enforce.

You should write to the debt collection agency telling them to stop contacting you because they’re:

• Firstly, contacting the wrong person because the debt isn’t yours and the details in their letter are incorrect
• Secondly, the debt is too old to enforce because its statute barred

You should send the letter by registered mail so you know JC International Acquisition receives it. Plus, do NOT sign the letter, just print your name.

Should JCIA let you seek advice?

Absolutely. It’s your right to discuss a debt problem with an independent adviser. JC International Acquisition must allow you enough time to do so.

It prevents them from escalating the matter until you’ve researched all the debt solutions available.

You must find the right debt management plan to suit your personal circumstances. Or you could land yourself in more financial difficulties.

Is the debt statute-barred?

If a debt is six years old, it could be statute barred and therefore you can’t be ordered to pay. Why? Because courts won’t hear cases where debts are six years old and it can’t harm your credit record.

When does debt become statute-barred?

As mentioned, older debts that are at least six years old can’t be enforced through the courts provided they meet the following criteria:

• You or a representative didn’t admit to the debt in six years
• You or a representative didn’t pay anything toward resolving the debt in six years
• There isn’t a County Court Judgement against the JCIA debt

If none of the above applies, JC International Acquisition Llc can’t enforce payment through the courts.

You should write to them telling them to stop pursuing you. Again, send your letter via registered mail to make sure JC International Acquisition Llc receives and acknowledges it.

Is the debt yours?

After checking whether a debt is too old to enforce, you should find out if the debt is really yours.

The debt collection agency could be chasing the wrong person due to a clerical error. Or maybe, JCIA has sent the same letter out to hundreds of people hoping to find the right debtor!

Moreover, any proof that JC International Acquisition LLC provides must be authenticated by the creditor. If debt collectors can’t provide evidence that you owe money, they can’t begin further action against you.

Do not just accept their word for it and make sure you send an unsigned letter to JCIA by registered post!

Can JCIA authenticate copies of credit agreements?

No. JC International Acquisition LLC must have copies of the original contracts or credit agreements you signed.

As mentioned, only the original creditor or authorised body can authenticate the copy!

Not the debt collection agency.

What can JC International Acquisition legally do?

JC International Acquisition is a CSA member and must, therefore, follow a Code of Conduct.

JC International Acquisition LLC has the right to do the following when attempting to recover money owed:

• Contact you by phone, text, email, or letter or they can visit you in person if all other methods fail
• Discuss things with you politely and discreetly. According to the CSA Code of Conduct, debt recovery companies must show empathy and take your personal circumstances into consideration when setting up a payment arrangement

As JCIA Ltd buys debts from other companies, the money owed is payable directly to them.

What can’t JCIA legally do?

There are actions and things that debt recovery companies can’t do when they chase you for money owed.

For example, a debt collection agency would be acting unlawfully if they do any of the following:

• Harass you with constant phone calls, emails, texts etc
• Threaten you
• Discuss a debt with your neighbours, boss, friends or even with a family member
• Visit you when you are at your place of work
• Pretend their legal power is the same as that of a court-appointed enforcement officer (bailiff)
• Show you documents and other papers which seem to be issued by the courts
• Force their way into your property, clamp vehicles or seize possessions
• Urge you to take out a loan to settle the money owed

You can file a complaint with the company if they breach privacy laws, act unlawfully or refuse to leave when you ask them to.

After filing a complaint with JCIA’s head office, you have the right to file one with the Financial Ombudsman Service (FOS).

If the FOS finds that a debt recovery company acted unlawfully, you could receive compensation.

Should you offer a partial payment?

You could offer a partial payment but only after you seek advice from an independent debt adviser. That said, debt recovery companies are not obliged to accept a partial payment offer.

However, don’t admit, sign or pay anything with JCIA Ltd until they prove the debt is yours!

Why wouldn’t JCIA accept your debt settlement offer?

JCIA Limited might reject your debt settlement offer for a number of reasons. Maybe it’s because the offer was far below what is actually owed.

Although JCIA probably purchased the debt for pennies in the pound, they may want to recover a high percentage of the debt. If so, they could reject your first offer to settle things.

What is a fair debt settlement offer?

Generally speaking, a debt recovery company will consider an offer of 75% of a debt’s actual value.

For instance, JCIA has proved you owe £1000, you could offer to pay £750. But again, whether they accept the offer or not is never guaranteed. They’re not obliged to accept a payment plan either.

Can you complain about JC International Acquisition?

Yes. You have the right to file a complaint when you believe a debt recovery company is acting inappropriately or unlawfully.

First, file a complaint with JCIA Limited and allow the debt recovery company to rectify the situation.

Second, file a complaint with the Financial Ombudsman Service (FOS) if you feel the debt collector hasn’t dealt with the complaint correctly.

How do you contact JC International Acquisition LLC?

I’ve listed JC International Acquisition’s contact details in the table below:

Is there any free debt help available?

Yes. There are several charities in the UK you can contact if you’re experiencing debt problems. I’ve listed three of them below:

• National Debtline 
• Citizens Advice
• Step Change Debt Charity

“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

Finally, Should you pay or ignore JCIA Debt Collectors?

Several factors could determine whether you should pay or ignore JCIA Limited. For instance, is the debt too old to enforce through the courts?

Maybe, JCIA is chasing the wrong debtor or maybe you already paid off what’s owed!

The one thing to avoid is ignoring JCIA because it just makes things worse and you could end up getting a CCJ. It could harm your credit rating!