Should I Pay or Ignore my Debt with TNC Collections?

Did you get a debt letter from a company you don’t recognise? If so, you could be asking whether it’s a scam. You may ask the question; should I pay or ignore my debt with TNC Collections?

I will explain what happens when you ignore a debt collection company. I then go on to explain how to respond to them when they’re chasing you for payment to achieve a better outcome.

Check out the paragraphs below to find out more!

Do you have to pay TNC Collections?

You might not have to pay TNC Collections.

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.

Who is TNC Collections?

When you get a letter from TNC Collections it’s about recovering a debt owed to another company. This is usually a private car park management business. They pass your details onto TNC Collections who provide them with debt recovery services.

The company is based in Glasgow, Scotland and has offices in Ireland too.

So, you won’t deal with the original creditor. Instead, you’d have to deal with TNC which is usually about an unpaid parking ticket!

Is the debt collector a legitimate business?

Yes. TNC Collections is a legitimate debt recovery business that’s authorised and regulated by the Financial Conduct Authority (FCA).

They are also recognised by the British Parking Association (BPA) and the International Parking Community (IPC).

Who uses TNC Collections services?

TNC Collection has a long client list and recovers debts and unpaid parking charges for various businesses across several sectors.

Although TNC doesn’t list their clients on their website, the debt collector typically works with car park management companies across the UK.

So, if you get a parking charge notice on private land, and you don’t pay it, chances are TNC will chase you for payment!

Check out what happened to one unfortunate motorist who ignored a parking ticket on private land.

Source: Moneysavingexpert

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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Should you pay TNC Collections?

No. Not straight away. Instead, check all the details on the debt letter you received to make sure they are correct.

Then, check how old the debt is because if it’s at least six years old, it may be too old to enforce.

Next, find out if TNC is chasing the right person because mistakes happen especially where parking tickets are concerned.

You shouldn’t admit, agree, or fork any money out to a debt collector until you’re satisfied the debt is yours!

Is the debt statute-barred?

A statute barred debt is too old to enforce. It happens. Maybe the original creditor left it too long to pass your details on to a debt collector? You never know.

For a debt to be statute barred, the following must apply:

• It’s at least six years old
• No payment was made to the original creditor in six years
• Nobody admitted owing the money in the last six years!
• There isn’t a County Court Judgement against the debt

If you moved house a couple of times over six years, chances are the debt collector may have taken a long time to track you down. In short, it’s always worth verifying whether the money owed has passed its sell-by date!

That said, you may get away with not paying an old parking charge notice debt, but it won’t just go away. It’ll stay on your credit file until six years are up!

You may have trouble borrowing money until it’s deleted from your credit report.

Should you ask TNC Collections to prove you owe the money?

It’s always worth writing to TNC Collections asking them to prove you owe the money. Even when you know the debt is yours!

First, it gains you a little time to sort out how you’re going to pay. Second, TNC Collections may not have adequate proof you owe the money!

In short, if the debt collector can’t prove the debt is yours, you can’t be made to pay. Even if the case goes to court, without hard evidence a judge would find it hard to rule in the debt collector’s favour!

Moreover, you can’t get a CCJ either!

That said, you shouldn’t just accept a debt collector’s word that you owe the money. They must provide you with authenticated evidence in the form of a Credit Agreement or other form of contract.

For example, it could be a parking ticket issued on private land with your details on it.

What happens if TNC Collections can’t prove the debt?

The short answer is you won’t have to pay. When a debt collector can’t provide authenticated proof you owe the money, they can’t make you pay!

As such, they should stop contacting you and if they don’t, you should file a complaint with TNC Collection through their website. If they continue to harass you, file a complaint with the Financial Ombudsman Service (FOS).

What happens when you ignore TNC Collections?

Things escalate relatively quickly if you bin a letter from TNC Collections and continue to ignore things!

For example, you may not find out the following:

• TNC Collections is chasing the wrong person because the parking ticket isn’t yours, thanks to an ANPR error. It happens far too often!
• The debt is statute-barred and therefore too old to enforce!
• Having part of the debt wiped off could make it that much easier to settle

Then of course you could also have to deal with:

• Court action (even if the debt isn’t yours)
• Getting a CCJ on your credit file which will make it harder for you to borrow money for six years
• Having enforcement officers (bailiffs) visit you at home and seizing some of your possessions
• Coping with an attachment on your bank account or earnings

So, as you can see, ignoring a debt letter from TNC Collections could make your life a lot harder and you’d have to deal with a lot more stress too!

What can debt collectors legally do?

Debt collectors must follow the rules and a Code of Practice when chasing debtors for owed money. In short, there are things TNC Collections can legally do when they contact you over an alleged debt.

A debt collection agency can legally do the following:

• Contact you by phone, email, letter, or text and visit you at your home
• Discuss things with you showing understanding and empathy. In short, a debt collection agent should factor in your circumstances and financial situation
• Ask you to pay the money owed directly to them rather than to the original creditor

What can’t debt collectors do?

TNC Collections would be breaking the law and their Code of Practice if they do any of the following when they contact you:

• Tell you they have the same power as a bailiff (court-appointed enforcement agent) which they don’t and it’s illegal to say they do
• Use documents and other papers made to seem like they’ve been issued by the courts when they are not
• Force entry into your home, seize your possessions or clamp your car
• Discuss an alleged debt with a family member, friends, neighbours or your employer
• Visit you at work
• Pressure you into borrowing more money to pay them
• Harass you with constant phone calls when you asked them not to
• Threaten you

If a debt collection agent does any of the above, they would be acting unlawfully and you should file a complaint. First, use the TNC Collections complaints procedure and allow them to rectify things.

If they don’t, you have the right to report the debt collector to the Financial Ombudsman Service!

How do you complain about TNC Collections?

You must file a complaint with the debt collection agency before contacting the Financial Ombudsman Service (FOS). This allows TNC Collections to deal with your complaint and resolve things.

However, if you feel the debt collector hasn’t treated your complaint fairly, you can then contact the FOS and report them!

Can you prevent TNC Collections from contacting you?

Unfortunately, TNC Collections has the right to contact you about an alleged debt. Even when they’re chasing the wrong person.

Debt collectors can contact you by:

• Phone/text
• Email
• Letter
• In-person

The good news is that you can write to a debt recovery company telling them when and how to contact you. Moreover, once they receive your letter, a debt collector must respect your wishes!

It’s always a good idea to send your letter by registered mail so you know TNC Collections received it. Like this, you have a record of your request should you need it!

You should get a response in writing from TNC Collections agreeing to your request. But if they bombard you with constant phone calls, it would be deemed harassment which is unlawful behaviour!

How do you contact TNC Collections?

 I’ve listed TNC Collections’ contact details below:

What free debt advice is there in the UK?

There are several leading charities in the UK that provide free debt advice when you need it.

So, you could contact one of them if you’re struggling financially and not sure how to cope with a letter from TNC Collections.

I’ve listed some of the major charities here:

• National Debtline 
• Citizens Advice
• My Money Steps
• 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.

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Lastly, should you pay or ignore a debt with TNC Collections?

It isn’t a wise move to ignore letters from debt collectors. First, the debt might not be yours or it could be too old to enforce. Even if the debt isn’t yours, a debt collector will still chase you for payment if you don’t tell them they’re wrong!

It’s better to respond and ask TNC Collections to prove you owe the money. If they can’t you won’t have to pay. But if they can prove the debt, you’ll have to pay up!

Thanks for reading this post. I hope I’ve answered the question: should I pay or ignore my debt with TNC collections or not?