Should I pay Themis Global Debt Collection and Recoveries?

Are you worried about dealing with Themis Global Debt Collection and Recoveries? This article is here to help. Every month, over 12,000 people come to this site for guidance on dealing with debt. We’re going to talk about:

• What Themis Global is and if you have to pay them.
• How to know if debt collectors are real.
• The legal powers of debt collectors.
• How to lower your repayments.
• What to do if the debt is too old to enforce.

We know it can be scary to deal with debt collectors. It’s hard to know what to do. But we’re here to help. We understand your worries because we’ve been there too. So, we can show you how to deal with this. Let’s dive in and learn more about how to handle Themis Global Debt Collection and Recoveries.

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!

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:

Would Themis take you to court?

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.

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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.

» TAKE ACTION NOW: Fill out the short debt form

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!

How do you complain about Themis Global?

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:

• Stepchange debt charity
• Citizens Advice
• National Debtline
• Payplan