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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Intrum UK Debt Collection

Intrum is a debt collection company, who purchase and collect debts for a range of companies and individuals. Intrum collects debts for HMRC, Npower, EE, O2, United Utilities, Virgin Media. Intrum also works with Local Authorities to recover council tax arrears or parking tickets.

Who is Intrum?

Intrum is a debt collection company, who purchase and collect debts for a range of companies and individuals.

Why is Intrum chasing me?

If you have received communication from Intrum, it is likely that you owe money to an organisation or individual. Due to the fact that your account has been passed to Intrum from another source, it is probable that you will not recognise the company name. There could be a range of circumstances which could lead to your account being passed to Intrum, relating to non-payment of monies owed for goods or services, which may or may not have passed through a variety of collections departments. Your initial communication from Intrum should tell you who your initial debt was with, and when it was passed to Intrum.

Is Intrum a legitimate debt collector?

In short, yes. Intrum is a legitimate debt collector. Do not ignore or bin communication from Intrum. As a member of the Credit Services Association, Intrum has passed a range of checks, including the CSA’s Collector Accreditation Initiative, which is a safeguard put in place to ensure that this company is operating in a legal, compliant and fair manner.

Who does Intrum collect for?

Amongst other brands and organisation, Intrum collects debts for HMRC, Npower, EE, O2, United Utilities, Virgin Media. Intrum also works with Local Authorities to recover council tax arrears or parking tickets.

Should I ignore Intrum’s letters or calls?

It is never wise to ignore communication from a legitimate debt collection agency. Intrum is bound by their code of conduct to allow debtors time to explore options for debt management, as well as working with you to work towards a repayment solution. It is impossible for Intrum to do this unless you talk to them.

It is never wise to ignore communication from a legitimate debt collection agency. Intrum is bound by their code of conduct to allow debtors time to explore options for debt management, as well as working with you to work towards a repayment solution. It is impossible for Intrum to do this unless you talk to them. Doing nothing should never be an option, ignoring an unpaid debt will not make it go away and could cause your debt to escalate. Further action could be taken if letters or calls are not responded to.

Can I stop Intrum from contacting me?

No, this will not be possible. As Intrum are working to recover a debt, they are legally obliged to send correspondence to you from time to time. It is, however, possible to express your preferences for how Intrum contact you. This could be in writing rather than over the phone. Your preferences should be abided by.

Is my debt to Intrum debt statute-barred?

A debt may be classed as statute-barred if a number of conditions apply. Statute barring does not apply to all debts in the UK. If you believe your debt may be statute-barred, it is worth seeking legal advice in order to see if the debt can no longer be enforced.

The three criteria which must be met in order for a debt to be statute-barred are:

  • • the creditor has not had a CCJ registered against you
  • • you have not made a payment in the limitation period (six years in England, five in Scotland)
  • • you have not admitted to the debt in writing during the limitation period

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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I owe the debt and I can afford to pay Intrum. Should I?

Yes. The faster you can repay the debt, the faster Intrum will stop contacting you, allowing you to continue with life as normal.

I can’t afford to pay Intrum. What now?

There is a range of options to people who cannot afford to repay in full.

Firstly, agree on a payment plan with Intrum. This will slice the debt up into a realistic monthly amount, with a timescale that is manageable. This should be done without unreasonable charges, penalties or interest rates.

Other options including an IVA or declaring yourself bankrupt are available in certain cases, but you should always seek financial advice from a qualified and registered adviser before going down this road.

Can I write off my Intrum debts?

An Individual Voluntary Arrangement is available for qualifying individuals, which consolidates all existing debt into a single repayment for a set time period. In order to qualify you must have £5,000 of debt which can be from a range of sources, be able to afford the repayment of at least £90 per month and have liabilities which are greater than your assets.

Seeking an IVA should not be done lightly, and financial advice should be taken in order to ensure that this is the best course of action for you.

What action can Intrum take?

In simple terms, Intrum does not have any more powers than the organisation that your original debt is held with. They are not allowed to harass or contact you at unreasonable times. Intrum may send debt collection field agents to your home to talk in person, but these are not bailiffs, and must not enter your home without permission.

In order to send bailiffs to your home, Intrum must take you to court. Similarly, without a ruling, they may not issue a CCJ against you or apply for a charging or attachment of earnings order.

Could my Intrum debts mean that I lose my home?

It is unlikely that your debts with Intrum could lead to your home being lost. Generally speaking, the debts which Intrum will collect are unsecured debts. If you fall behind with payments drastically, Intrum could apply to get the debt secured against your home, but this is often the last resort taken with accounts who are non-responsive.

If you are worried about debt or have a question we have not covered about a debt collection agency, explore the DebtBuffer site or visit our AI chatbot for answers to your questions.

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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