Do I Have to Pay UKSL Debt Collection? Avoid Harassment

If you’re dealing with a UKSL Debt Collection notice, you might be feeling worried. You’re not alone. Every month, more than 12,000 people visit here looking for guidance on debt matters.

In this guide, we’ll explore:

• Who is UKSL Debt Collection and if they are real.
• Why UKSL might get in touch with you.
• How to handle the letter from UKSL Debt.
• What UKSL Debt Collection can legally do.
• What help is there in the UK for debt.

Having debt can be hard. We know this because some of us have been in the same spot. We’ve faced debt and the struggle of not knowing the next step, which means we have the knowledge to assist you. Let’s dive in and learn more about dealing with UKSL Debt Collection.

Why would UKSL contact you?

UKSL will contact you to recover a debt owed to another company such as a utility provider. When you fall behind or miss payments to a utility company, chances are they have instructed UKSL Debt to recover the amount.

That said, a utility company will have sent many letters reminding you of an outstanding bill beforehand. UKSL Debt gets involved when the amount remains unpaid!

Whatever you do, don’t ignore UKSL correspondence. Take a look at what happened to one unfortunate person:

Source: Moneysavingexpert

Should you pay UKSL Debt?

As mentioned, you may have to pay UKSL Debt if they can prove the debt is yours. Don’t accept a verbal confirmation from the debt collection agency. They must provide you with ‘hard’ proof you owe the money!

You may not have to pay if UKSL can’t prove the debt is yours.

Next, establish the debt is still current and not statute-barred. You may not have to pay if it’s at least six years old and meets all the criteria listed above.

You have the right to tell UKSL to stop contacting you if the debt isn’t yours and the statute barred.

Debt collectors cannot continue to harass you and if they do, they’re acting unlawfully.

What happens when you don’t pay UKSL Debt?

UKSL Debt could escalate things and could:

• Report the defaults to credit bureaus
• Get a CCJ issued against you which will ruin your credit rating
• Get an attachment on your earnings
• Get a Charging Order on your property (this is quite rarely done!)

In short, it’s better to remain in contact with UKSL and negotiate an affordable payment plan with them. But only once the debt collector has proved the debt is yours and it’s not statute-barred!

» TAKE ACTION NOW: Fill out the short debt form

What can UKSL Debt Collection legally do?

UKSL must follow a Code of Practice that dictates what debt collectors can and cannot lawfully do when they contact you.

A debt collector can legally:

• Ask you to pay them directly
• Contact you and visit you at your home
• Discuss a debt with you politely and discreetly

A debt collector cannot lawfully do:

• Force entry into a home
• Clamp vehicles or seize possessions
• Discuss a debt with family members, friends, employers or neighbours which breaches privacy laws
• Make out they are Enforcement Agents (bailiffs) which is a criminal offence
• Imply they have court-issued documents
• Talk in confusing terms using legal jargon
• Apply pressure to take out another loan to pay a debt

You have the right to report a debt collector if you feel they are intimidating you or harassing you. But first, file a complaint with their head office. You can then lodge a complaint with the Financial Ombudsman Service (FOS).

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How should you deal with the UKSL Debt letter?

It’s hard to remain calm and think clearly when you get a letter from UKSL Debt. But it’s important not to panic and to deal with the problem sooner rather than later.

First, check what the debt is for and if you really owe the money. You can do this by writing back to UKSL Debt asking them to ‘prove’ the debt is yours. A debt collection agency must respect this request.

Send the letter by registered post and keep a copy of the letter for your own records.

Next, check how old the debt is. Why? Because debts which are at least six years old are statute barred. In short, a debt that is old is unenforceable! However, the debt still exists and could impact your credit rating. But you won’t get a CCJ if the limitation period has expired.

That said, there are criteria that must be met for a debt to be statute barred which I’ve listed here:

• You’ve not been in contact with the credit for six years
• You’ve paid nothing towards clearing the debt for six years
• There are no existing court proceedings to recover the debt

How do you contact UKSL Debt Collection?

I’ve put together UKSL Debt Collection’s contact details here: