JC International Acquisition is a licensed, regulated firm of debt collectors. JC International Acquisition works closely with Creditlink Account Recovery Solutions Ltd (CARS.) Together they collect funds owed to a number of clients, including banks and other financial organisations, and service providers (such as utility and phone companies.) Like most debt collectors, they have a wide range of clients.
JC International Acquisition is a licensed, regulated firm of debt collectors. If you’ve received letters or phone calls from JC International Acquisition, it’s probably because you owe money to one of their clients and they are attempting to collect that debt. If you don’t recognise the debt they refer to, or you’re not sure that the details are correct, you can either contact JC International Acquisition or the company you originally owed the money to, in order to confirm.
JC International Acquisition works closely with Creditlink Account Recovery Solutions Ltd (CARS.) Together they collect funds owed to a number of clients, including banks and other financial organisations, and service providers (such as utility and phone companies.) Like most debt collectors, they have a wide range of clients.
JC International Acquisition is an organisation comprising of debt collectors, not bailiffs. They can send letters, make phone calls and even send debt collectors to your home to arrange payment. However, you don’t have to let debt collectors into your home or even answer the door, and they cannot force entry. In fact, there are many things debt collectors can’t do, including harassing you, misleading you, or charging excessive fees or interest on a debt.
When debt collectors are unable to collect a debt, they sometimes pass it back to the original creditor (for example, the phone company) who may then employ a different firm of debt collectors to collect the money, starting the process again.
Alternatively, a debt collector such as JC International Acquisition can take you to court and obtain a County Court Judgement (CCJ.) Once a CCJ has been obtained you must pay the debt all at once or in instalments, or as a court-mandated attachment to earnings. If you don’t pay at this point, the court (not JC International Acquisition) may send bailiffs to your home to repossess the property to reclaim the value of the debt.
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One option is to repay the debt if you can afford to do so. Most debt collectors won’t require you to pay all at once and should work with you to agree on a repayment plan that you can afford. If you can’t afford to repay your debt in full or in part, you still have several options.
JC International Acquisition is within their rights to contact you by letter, phone or in person, but you can request that they use a preferred method. For example, you can inform them that you only want to discuss your debt in writing. They should respect your wishes, and in future only contact you by letter. Additionally, they should not harass you. This means they can’t contact you too frequently or at unreasonable hours. If they do you can complain to the Financial Ombudsman service.
You have the right to ask JC International Acquisition to give you breathing space. Once you do this, they should leave you alone for 30 days except for any communications required by law. You can use that time for any purpose, including to seek professional advice.
There are people who can help you figure out your options when it comes to managing your debts. You could speak to a professional insolvency practitioner or find resources on the web (including debtbuffer.com’s AI chatbot).
If your debts are significant and you can’t afford to pay, it might be worth looking into the option of an Independent Voluntary Arrangement (IVA) or, in Scotland, a Trust Deed. Both are legal processes that can help reduce your debt to a manageable level. You pay an agreed percentage of the debt or debts over a fixed period (usually from two to six years, depending on the type of agreement,) and the rest is written off. However, an IVA or Trust Deed stays on your credit record for several years, so is not the right option for everyone.
Debt Buffer can help inform you about the options available to you to deal with your debts. This includes writing letters to creditors that can ensure you’re treated fairly and get you more time to pay. Take some time to look around the site, find the course of action that is right for you, and use our AI Chatbot for further guidance.