Want to STOP the stress of debt?

If you are sick and tired of the phonecalls, the threatening letters, or perhaps you are just struggling to maintain your regular payments, DebtBuffer can help make all this hassle STOP.

You simply need to know what your real options are & whether you can write off some, or all of your debts. It’s up to you to take charge, not the debt collectors!

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Advantis Credit Debt Collection

Advantis is a debt collection agency and its role is to collect debts on behalf of other companies. Advantis will chase the debt owed and make the collections on behalf of agencies, including the DVLA as well as other government bodies, private companies and utility companies such as water, gas and electricity.

Who Are Advantis Credit And Why Are They Contacting Me?

Advantis is a debt collection agency and its role is to collect debts on behalf of other companies. Advantis will chase the debt owed and make the collections on behalf of agencies, including the DVLA as well as other government bodies, private companies and utility companies such as water, gas and electricity. You may receive a call from the debt recovery agency if you owe money. You may however not recognise the name when you receive the communication as your debt may be with a different company.

How Can I Stop The Debt Letters And Calls?

The first step to take if you are contacted by a debt collection agency is to find out the amount and source of the original debt. You can ask Advantis to give you a copy of the original credit agreement. You do have the right to instruct the debt collector to halt any communications with you if you feel concerned in any way. To stop any unwanted phone calls and letters, you should forward a letter to the debt collector and ensure that you file a copy of the letter you send. You should clearly state in the letter addressed to the company that you do not want any more contact with the debt collector.

What Will Happen If I Don’t Pay?

Firstly, don’t panic if you have received a communication from Advantis Credit. It’s important to deal with the letter or phone call, and don’t shelve the problem, hoping that it will vanish. Do respond to the agency because if you fail to do so, you may face legal action which will plunge you further into debt. It will also damage your credit rating for the future. You may decide to discuss your personal circumstances with Advantis so that they can work with you on an arrangement which may help put your mind at ease. Do look for independent professional advice on debts and never jump into an agreement unless you can budget for the repayments.

What Can Advantis Credit Do?

Debt collection agencies are bound by a code of practice and it’s important to remember that they are not bailiffs. They are prohibited from making excessive calls to you, and they cannot take any possessions from your home. A debt collection agency is not permitted to discuss your circumstances with anyone else and they must be clear about their legal powers. They cannot chase payments or add interest and fees but in certain circumstances, they can apply for a County Court Judgement.

What Do I Do If Advantis Credit Send Agents To My Home?

As with any caller to your home, always ask for identification before you let them enter your home or discuss your finance. You can inform them that you want to deal with them in writing, but if you do wish to discuss the debt, don’t enter into an agreement to pay more than you can afford. Have your budget plan to hand for evidence. If you are going ahead with a payment, you may wish to contact the creditor or debt collection agency via telephone. Ensure that you obtain a receipt if you pay any money.

How Debt Buffer Helps

Debt Harm

We help you realise & address the harm bad debt does to your mental & physical health

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Deft Letter

We help you gain extra time to arrange your finances and also handle debt collectors or bailiffs through our letter creation service.

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Deft Easy

We help you understand your options based on your circumstances and the information you tell us. No BS.

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Are Advantis Credit Debt Collectors Legitimate?

Yes. Advantis is a debt collection and tracing company which looks after accounts for bodies such as HMRC and DVLA, as well as a wide range of utility companies.

Who do Advantis Credit collect for?

The debt collection agency’s clients include British Gas, BT, Npower, SSE, Swinton, United Utilities, Vodafone, Severn Trent, Thames Water and Next.

Do Advantis collect for HMRC?

The company works with HM Revenue and Customs to collect a variety of debts relating to taxes. HMRC will refer the issue to Advantis who will initiate the debt collection.

Are Advantis bailiffs?

Advantis do not have the authority to act as bailiffs. They can if required, request a County Court Judgement which would lead the courts to sending bailiffs to your home. If this was likely to happen, you would receive plenty of warning letters well in advance of the move.

Can Advantis take me court?

You can be sued if you owe money to Advantis and you do not pay up. If Advantis takes you to court and wins, the court will order you to pay back the debt. However, this is an extreme situation and you may wish to enter into an affordable arrangement to pre-empt this.

Does Advantis affect credit rating?

Leaving debt to accumulate without paying it off can have an adverse effect on your credit file and you could see your score plummet. You may have difficulty obtaining credit in years to come. This may include a loan or a credit card, a new mobile phone or house or car insurance. You may also find it difficult to secure a mortgage on your home. If you are concerned about your credit file, you can get in touch with one of the credit reference agencies and view your file .

Frequently Asked Questions about needing Debt Help

What is the best way of dealing with my debts?

If you are struggling with debts that are impacting you or your families quality of life then simply put, its time to put yourself first and make some clinical and calculated financial decisions. If you are being chased by collections agencies or have bailiffs banging on the front door, its a terribly stressful situation and no way to live. Our simple advice to anyone in this situation is seek the route that most easily takes away the stresses of being chased for debts and allows you to enjoy more of your income. Our priority is helping you find a solution that creates a buffer between you and your debts.

What is an IVA?

Depending on your circumstances you might be eligible to take out a Government approved scheme for reducing your monthly debt payments and writing off up to 90% of your debts at the end of the scheme. Your creditors have to agree and you must have more than £6000 of debt and enough income to be able to meet your new agreed payment. Read our guide to IVA’s for more details

Is an IVA worth it?

That’s going to depend on your individual circumstances and whether or not the various pro’s and con’s of an IVA are worth it for you. For most people who simply cannot carry on with debt that has become unmanageable, being able to reduce payments down to an agreed fixed amount that you can certainly afford, and at the end of the fixed period having the bulk of your debts written off is certainly worth it. However, careful consideration needs to be given to other solutions such as Bankruptcy, Debt Management Plans or Debt consolidation loans or mortgages. Everyone is different so you must put yourself and your needs first.

How does an IVA work?

An Individual Voluntary Arrangement, or IVA, is a formal, legally binding debt solution, which is a form of insolvency. It must be administered by a licensed Insolvency Practitioner. As an alternative to becoming Bankrupt, It allows you to potentially write-off up to 90% of your existing debts, based on what you can reasonably afford to repay. The exact amount will vary depending on your personal circumstances, and who you choose to arrange your IVA.
An IVA commits you to monthly repayments over 5 or 6 years, which are distributed among your creditors. Any debts remaining after this period will then be written off. The payments will take into account your monthly income to ensure that the IVA is realistic and affordable.

WHY PAY MORE?

26 years & 8 months, that’s how long it will take someone to pay off the average UK credit card debt, just on minimum payments.

If you are drowning in debt and are being forced to choose debt payments over food, clothes or rent, it’s time to take back control of your life and your money.

Put yourself first, get back in control of your finances.

Choose DebtBuffer, Choose life.

Are you ready?

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