This isn’t a full fact find, Thrifty Family doesn’t give advice. We work with The Debt Advice Service who provides information about your options.
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.
My name’s Janine, and I’m a mum of two who’s always been passionate about trying to cut down spending costs. I am now sharing as much financial knowledge as I possibly can to help your money go that little bit further.
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.
Did you just get a debt letter from a company you don’t recognise? Like many other people, you’re probably asking the question, ‘should I pay Themis Global Collection and Recoveries or not’?
I’ll explain why Themis Global would contact you about an alleged debt and how you should respond.
Check out the paragraphs below to find out more!
Do you have to pay Themis Global Debt Collection?
You might not have to pay Themis Global Debt Collection.
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.
This isn’t a full fact find, Thrifty Family doesn’t give advice. We work with The Debt Advice Service who provides information about your options.
Is Themis Global a debt collection company?
Yes. Themis Global is a debt collection company that also trades as Themis Global Debt Collection and Recoveries. As the company’s name suggests, it’s one of the many debt collection agencies that operate throughout the UK.
You’d be forgiven for never having heard of them because the chances are you’ve never had any previous dealings with Themis!
However, you could get a debt letter from them if you owe anything to one of their clients.
Their core business centres around recovering commercial debt which often involves late payments to many of the UK’s smaller and medium-sized businesses. But they also collect unsecured debts too!
Yes. Themis Global is regulated. The business is authorised to operate as a debt recovery agency in the UK by the Financial Conduct Authority (FCA).
The debt collectors are also recognised members of the Credit Association Service (CSA). Therefore, Themis Global has agreed to follow CSA guidelines and its Code of Conduct.
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.
All recognised debt collection agencies in the UK are members of the Credit Services Association. You can check whether a company that contacts you has the CSA logo on their letter. If you’re still not sure, get the debt collector’s number from their website and call them up!
Who uses Themis Global debt recovery services?
Themis Global’s client list includes many smaller businesses and medium-sized businesses. However, larger organisations also use their debt recovery services.
For example, the following companies are known to use Themis Global:
EDF Energy
Vodafone
What legal powers do debt collectors have?
Themis Global has limited legal powers. They are a debt recovery business, not enforcement agents!
Therefore, their powers are the same as those of the creditor they are working for. They can send you payment demands, call you at reasonable hours and ask you to pay them directly.
As a member of the Credit Services Association, Themis agrees to adhere to the CSA Code of Conduct. Moreover, debt collection agencies must abide by the various rules and laws that govern them.
This includes respecting the UK’s privacy laws!
What can Themis Global legally do?
There are laws that govern how a debt recovery agency can operate. Moreover, companies like Themis Global must respect your privacy rights when they contact you.
On top of all that, there’s the CSA code of conduct that Themis signed up for! It means they’re supposed to act in an acceptable way when chasing you for an alleged outstanding amount.
Themis can legally do the following:
Reach out to you by letter, email, text or by phoning you. They can also visit you at home if they haven’t been able to get in touch in other ways
Discuss things with you discreetly and politely. A field agent should show understanding and empathy towards your personal circumstances
Request that you pay them directly rather than to their client
Are there things debt recovery companies can’t do?
Yes. Some certain actions and behaviours are deemed unlawful. For instance, a debt recovery agency would be acting unlawfully and against the CSA code of conduct if they did any of the following:
A debt collection agent can’t force their way into your home, seize any of your possessions, or clamp any vehicles
Urge you to borrow more to pay off the debt
Talk to your friends, boss, neighbours or a family member about a debt
Visit you at work
Pretend they have legal powers similar to that of bailiffs who are now called enforcement agents
Use documents that look like a court have issued them
Harass you with constant phone calls, texts, emails etc
Threaten you in any way
A debt collection agency or one of its agents would be acting unlawfully if they did any of the above. You should contact Themis to let them know about the circumstances that lead you to believe they’re acting unlawfully.
Then, you should file a complaint with the Financial Ombudsman Service (FOS) if you feel that Themis did not handle your complaint correctly!
Your complaints must be in that order. First to the debt recovery company. Second, the FOS.
Can you stop debt letters from being sent?
No. Sadly not. Debt recovery companies like Themis Global have the right to contact you when they believe a debt is yours. However, they must act lawfully when they do!
That said, you can tell Themis Global not to contact you in specific ways. In short, you can dictate how you want to be contacted in the future if you don’t want to speak to one of their agents.
It’s always a good idea to write back to the debt collector telling them you only want to be contacted in writing. Preferably by letter!
Send the request by registered post and keep a copy for your records.
Themis Global must respect your request and if they don’t, it could be seen as a debt recovery agency harassing you.
Harassment by a debt recovery company is unlawful and you can report them to the FOS and The Office For Fair Trading!
Should you pay Themis Global straight away?
No. There are two things you should check before paying Themis Global for anything. Also, you shouldn’t admit anything before you’ve checked the following either:
How old is the debt?
Is the debt yours?
If both of the above check out and the debt is still current, you could be liable. Also if you know the debt is yours, there’s probably no getting out of settling what’s owed.
However, it’s worth asking Themis to prove the debt anyway! If they haven’t already done so, that is!
Is the debt too old to enforce?
Debt is too old to enforce when a court deems that it is statute-barred. As such, courts won’t take on cases involving debts that are six years old.
Moreover, because the debt can’t be enforced through the courts, your credit file can’t be harmed by a County Court Judgement (CCJ).
When is a debt statute-barred?
A debt is statute-barred when it’s at least six years old. However, there are specific provisions that must be met for the debt to no longer be enforceable.
A debt is too old to be enforced if:
It’s six years old
Nobody admitted liability in six years
Nothing was paid towards settling the debt in six years
A court hasn’t issued a County Court Judgement (CCJ) against the debt
What happens if a debt is proven statute barred?
As mentioned, courts won’t hear cases where the debts are proven statute barred. In short, you can be taken to court and ordered to pay the debt. Moreover, you won’t get a CCJ which could ruin your credit history!
It means you won’t have to pay a debt that’s statute barred because it meets the criteria set out by the Limitations Act!
Is the Themis debt really yours?
The second thing you should always check out when confronted with a debt letter is whether all the details are correct. For example, is the debt in your name and has Themis Global proved it?
If not, you should write to Themis requesting they prove you owe the debt. Send the letter by registered post and don’t sign it! Instead, just print your name where the signature goes!
Once Themis receives your ‘prove the debt letter’, they should provide you with solid proof that you owe anything to someone!
Don’t just take their word for it!
Moreover, any copies of a credit agreement or other contract you entered into, must be authenticated by the original creditor, not Themis Global.
What happens when Themis Global proves the debt?
You’ll likely have to pay if Themis Global manages to prove you owe the money.
However, you should seek advice from an expert before you admit or pay anything to the debt collectors. Numerous leading UK charities provide excellent free debt advice!
What happens if Themis Global can’t prove the debt?
You may not have to pay if Themis Global fails to provide authenticated proof you owe the money.
You should write to Themis and tell them to stop contacting you over a debt that’s not yours! If they continue to bother you or harass you with lots of phone calls, you can report them to the Financial Ombudsman Service!
No. Themis Global won’t take you to court but they could advise their client to start legal proceedings against you.
That said, you’ll receive many threatening letters in an attempt to scare you into paying.
Whether the threats of court action are empty or not, depends on several things. First, is the amount a large sum of money worth chasing through courts? Second, will the Themis client want to take you to court?
Can you ignore a Letter Before Action?
You should never ignore a Letter Before Action you receive from a recovery agency. It’s far better to respond by sending Themis Global a ‘prove the debt letter’.
If nothing else, it gains you a little time to sort out your finances if the debt is yours.
What happens when you ignore debt letters?
The problem and the debt collectors don’t go away when you ignore them. It’s far better to respond and question whether you really owe the money!
Even if you know you don’t owe anything or that it’s statute-barred, ignoring Themis Global won’t solve the problem. You could end up having to deal with more threatening letters even when you don’t owe the money!
How do you contact Themis Global Collection and Recoveries?
I’ve included ways to contact Themis Global in the table below:
You should first complain to Themis if you feel one of their agents acted unlawfully or inappropriately. Themis Global must deal with your complaint in a timely manner.
However, if you still feel the debt collection agency is not abiding by the law, you can then file a complaint with the Financial Ombudsman Services. They will launch an investigation into your complaint!
You could receive compensation for the stress you were caused if the FOS finds a debt collection agency acted unlawfully. Plus, the debt collector could lose their licence!
Is there any free debt help available?
Yes. Numerous UK charities provide free debt help to people who are struggling with their finances and you have outstanding debts.
Their advice could be invaluable when it comes to negotiating a debt management plan! They could also provide advice on how to stop Themis Global from contacting you while you seek advice.
I’ve included several of the leading debt charities in the list below:
Lastly, should you pay Themis Collection and Recoveries?
You should only pay Themis Collection and Recoveries when they proved the debt isn’t statute barred and that you owe money.
Don’t just accept their word that the debt is yours. They must provide hard proof that’s authenticated by the original creditor! Whether it’s unsecured debts or not.
The only way to stop debt letters from dropping through your post box is to respond to the first one!
The one thing you shouldn’t do is throw any correspondence away without responding to it. Themis Global is persistent and will chase you for payment even when the debt isn’t yours!
Thanks for reading my post. I hope the information in the article helps you decide what to do about a debt letter so it saves you time and unnecessary stress!
My name’s Janine, and I’m a mum of two who’s always been passionate about trying to cut down spending costs. I am now sharing as much financial knowledge as I possibly can to help your money go that little bit further.
How to beat Themis Global debt 