Should I Pay or Ignore Richburns Debt Collection?

Are you worried about dealing with Richburns Debt Collection? Are you stressed about what might happen or how to handle it? You’re not alone. Over 12,000 people each month visit us for guidance on debt matters, just like this one.

In this straightforward guide, we’ll cover:

• Who are Richburns Collections and what they do.
• Whether or not you have to pay Richburns Collections.
• How to lower your repayments with Richburns.
• What happens if Richburns can’t prove the debt, or if they can.
• Ways to stop debt letters from Richburns.

We understand the stress and worry that comes with dealing with debt collectors. Our team knows how it feels, as some of us have been in your place, dealing with debt and not knowing the right steps to take. Rest assured, we have the knowledge and experience to help you navigate this situation. Let’s dive in and discover how to effectively deal with Richburns Debt Collection.

Should you pay Richburns?                 

You should only pay debt collectors when they’ve provided you with hard proof the amount outstanding is yours to pay.

In short, Richburns must get all copies of a credit agreement or contract authenticated by the creditor.

You should never accept Richburns word for it. A verbal confirmation wouldn’t stand up in court. They must provide written confirmation you owe the money!

Also, don’t sign a ‘prove the debt’ letter to Richburns or any other letters you send them. Not all debt recovery companies are honest and some use unethical tactics.

This includes using your signature on other documents which is fraud!

What happens when Richburns can’t prove the debt?

If Richburns can’t produce authenticated copies of a credit or other sort of agreement you signed, they can’t pursue you for payment.

A court won’t rule in a debt collector’s favour if Richburns can’t show hard proof you owe the money!

In short, a debt recovery agency should stop pursuing you if they can’t prove you owe the money!

However, with Richburns, they are provided proof of debt from the company they are representing. They are acting on instructions and do not make any decisions when it comes to your debt.

What if Richburns proves the debt is yours?

You’ll have to pay what’s owed if Richburns proves the outstanding amount is yours. But before you admit, sign or fork any money out to the debt collector, you should:

• Seek advice from an independent adviser
• Write to Richburns telling them you’re seeking independent advice

You should always let a debt collector know what you’re doing to stop them from escalating things. Plus, Rishburns must allow you sufficient time to talk to a debt adviser about the various debt solutions available.

What happens when you ignore debt recovery companies?

You shouldn’t ignore a debt letter from Richburns even when the information is wrong! First, it won’t stop them from pursuing you when you don’t respond.

Quite to the contrary, debt collectors are persistent and if you don’t respond, they’ll continue to contact you. Moreover, the matter could escalate to the courts!

Second, you could be missing out on important information when you bin a letter from Richburns.

This includes:

• Not discovering the debt is too old to enforce because a court would deem it statute barred
• Not finding out Richburns are chasing the wrong debtor because the debt isn’t yours
• Not being offered an affordable payment plan which could get you out of a hole
• Not having some of the debt wiped off could make it more affordable to settle

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Would Richburns take you to court?

No, Richburns themselves won’t take you to court. Their role in the process is to attempt to recover debts that are owed to their clients. They also provide possible solutions to the debt that is owed.

However, the client they are representing may choose to take you to court.

What could happen if my energy company takes further action?

• Issue a County Court Judgement against you which would ruin your credit rating
• Instruct enforcement officers to recover the debt by seizing possessions to the value of the outstanding amount
• Issue an attachment order on your bank account or your weekly earnings

Richburns cannot take this action on behalf of the energy company.

What can Richburns do?

Richburns must abide by the law when they contact you. It means there are things they can say and do, but there are things that are unlawful too!

For example, a Richburns can:

• Visit you at home but they should inform you beforehand and if you ask them to leave, they should respect your request
• Call you by phone, send you a text, letter or email
• Talk to you politely and show you empathy and understanding about your personal circumstances
• Ask you to settle the outstanding amount to them directly

How can I stop debt letters from Richburns?

You can’t stop Richburns from sending you letters or contacting you about an alleged debt.

However, you can dictate when and how a debt recovery agency contacts you. For example, you may prefer they only write to you which is a good idea. It means you have a record of all their correspondence!

You should inform a debt collector that harassment is a criminal offence!

Make sure you send the letter via registered mail and ask for Richburns to confirm they agree to your request in writing!

Another way to prevent constant phone calls from Richburns is to send them a ‘prove it’ letter by registered post!

How do you complain about a debt recovery agency?

You have the right to complain about a debt recovery agency if they don’t follow the law or the Code of Practice when they contact you.

First, write to Richburns using their complaints procedure. The debt recovery agency should make things right in a timely fashion. But if they don’t, you can file a complaint with the Financial Ombudsman Service (FOS).

You can’t report a debt recovery agency to the FOS without first lodging a complaint with their head office.

» TAKE ACTION NOW: Fill out the short debt form

How do you contact Richburns?

It’s always wiser to remain in contact with Richburns when they contact you. It stops a debt collection agency from escalating things to the courts.

Plus, you won’t have to deal with a field agent visiting you at home when you stay in touch with them!

I’ve listed how to contact the debt recovery company below: