Should I Pay Zinc Group Debt Recovery?

Are you one of the many people in the UK asking, should I pay Zinc Group Debt Recovery? And who are they anyway?

If so, you need to check out my post! I explain who Zinc Group is and why they may be contacting you. Read on to find out whether you could get out paying them!

Do you have to pay Zinc Group Debt Recovery?

You might not have to pay Zinc Group Debt Recovery.

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 Zinc Group Debt Recovery?

Zinc Group Debt Recovery is among the many UK-based debt collection agencies. The company was founded in 2008 with offices in Scotland and England.

The company’s core business centres around recovering unpaid invoices/payments and debts.

Is the Zinc Group legit?

Yes. Zinc Group is a legitimate business that’s regulated by the Financial Conduct Authority (FCA). They have offices in Glasgow and Stratford-upon-Avon. Zinc is also a Credit Services Association member which means it must abide by its Code of Practice.

Who uses Zinc Group Debt Recovery?

Several businesses use Zinc Group to recover outstanding payments and other debts. This includes:

• The banking and finance sectorsTelecommunication providers
• Utility companies
• Insurance and healthcare providers
• Commercial debt

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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How should you deal with a Zinc Group Debt Recovery letter?

Zinc chases you for a debt or unpaid invoice on behalf of the original creditor. So, when you get a letter from the debt collector, you may not recognise the name. The way to respond to a Zinc Group letter demanding payment is to:

• First, check how old the debt is. If the debt is at least 6 years old, it can’t be enforced. Neither can you be taken to court for not paying because the debt is statute-barred
• Second, if the debt isn’t statute barred, ask Zinc Group to prove you owe the money. You have every right to ask a debt collector to prove the debt is yours. They can’t just tell you that you owe the money

Take a look at what happened to one person Zinc Group contacted:

Source: Moneysavingexpert

What happens when a debt is statute-barred?

A debt that’s at least 6 six years is statute-barred. The courts won’t hear cases where debts are that old or older. Hence, you can’t be taken to court for not paying and you can’t get a CCJ on your credit file!

If the debt is statute-barred, write to the Zinc Group telling them it’s passed the limitation period! It should stop the debt collector from contacting you further!

Can you ask Zinc Group to prove the debt is yours?

Yes. You have every right to dispute a debt when you know it’s not yours. For instance, Zinc Group or the original creditor may be chasing the wrong person. Maybe it’s due to an admin error, or maybe your name is very similar to someone else’s name.

Whatever the reason, debt collectors must provide you with authenticated evidence that you owe the money. If they can’t, you won’t have to pay them.

Should you ignore Zinc Group Debt Recovery?

No. Even when the debt is too old to be enforced or it’s not your debt, don’t ignore Zinc Group letters. Why? Because the original creditor could still take you to court.

You could be held responsible for a debt that belongs to someone else and not even knows it!

Furthermore, you could also be missing out on the following:

• Finding out the debt is yours but it’s statute barred
• Discovering you owe the money but the debt collector can’t prove It
• Having some of the debt wiped off
• Being offered an affordable repayment schedule to pay off the debt

What can Zinc Group Debt Recovery do?

There are actions a debt collection agency can legally do and things they can’t legally do.

A debt collector can legally do the following:

• Contact you over an alleged debt whether in person, by phone, or by letter
• Talk to you civilly with understanding about an outstanding debt
• Ask you to pay them directly

The things a debt collector can’t legally do are listed here:

• They can’t threaten or harass you
• Pretend they are court-appointed enforcement agents (bailiffs) which is a criminal offence
• Use documents that seem to be court issued when they aren’t
• Talk to your family members, friends, neighbours or employer about your alleged debt which breaches privacy laws
• Visit you where you work
• Force their way into your home
• Clamp your vehicle or seize your possessions
• Use confusing legal terms
• Urge you to take out another loan to pay the debt you owe

Can you stop Zinc Group Debt Recovery from contacting you?

No. But you can dictate when and how you want to be contacted. For example, you could write to the debt collector informing them you only want to be contacted by letter.

Debt collectors must respect these wishes or it could be seen as them harassing you which is illegal!

What happens when Zinc proves the debt?

You may have to pay if Zinc proves the debt is yours. However, you should seek advice from one of the debt charities if you’re at all concerned about anything. This includes if you feel you’re being harassed or bullied in any way by the debt collector.

Moreover, getting advice from one of the major debt charities could be of great help when negotiating an affordable repayment plan.

Debt collection agencies have a legal obligation to allow you the time to seek advice and to find out about your best option!

Do not admit, sign, agree to or pay anything to the debt collector before you’ve sought advice!

How do you contact the Zinc Group Debt Recovery?

I’ve listed the Zinc Groups’ contact details here:

What debt advice is there in the UK?

There are several major debt charities in the UK that provide free, impartial advice to people when they need it. So, you should contact one of them if you’re struggling to pay bills or sort out a debt that Zinc is chasing you to pay.

I’ve listed some of the charities here:

• Money Advice Service
• National Debtline 
• Citizens Advice
• 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.

Get Started

Lastly, should I pay Zinc Group Debt Recovery or not?

No. You shouldn’t pay Zinc Group Debt Recovery before checking if the debt is statute-barred and the debt is yours. That said, don’t ignore correspondence from a debt collector because the problem just gets worse.

Moreover, you could miss out on many positive things when you ignore a Zinc Group letter.

If the debt collector proves you owe the money, try to negotiate an affordable repayment schedule with Zinc. Also, get some advice from one of the debt charities before you agree, sign, admit or pay any money to the Zinc Group!

Thanks for reading my post. I hope the info answers the question should I pay Zinc Group Debt Recovery or not?