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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LCS Civil Enforcement Debt Recovery & Solicitors

LCS Civil Enforcement collects debts that are owed to businesses, organisations and individuals, including EE, gas and electricity companies, 02, payday loans companies and Virgin Media. LCS also collects debts related to parking tickets and council tax, as well as various credit card companies.

Why is LCS Civil Enforcement chasing me?

If LSC Civil Enforcement is attempting to make contact with you, you probably owe money to a creditor.

Is LCS Civil Enforcement a legitimate debt collector?

If LSC Civil Enforcement is attempting to make contact with you, you probably owe money to a creditor.

Who does LCS Civil Enforcement collect for?

LCS Civil Enforcement collects debts that are owed to businesses, organisations and individuals, including EE, gas and electricity companies, 02, payday loans companies and Virgin Media. LCS also collects debts related to parking tickets and council tax, as well as various credit card companies.

Should I ignore LCS Civil Enforcement’s letters or calls?

No. LCS Civil Enforcement works in accordance with a code of conduct that means they are obliged to give you time to explore the debt management options available to you. If you fail to communicate your actions to them, they will have no way of knowing that you are taking tangible steps to repay your debt.

Can I stop LCS Civil Enforcement from contacting me?

Ignoring communications from LCS will not make them stop. Instead, you should respond to their letters and take active steps to repay your debt, set up a payment plan, or explore your debt management options.

Is my debt to LCS Civil Enforcement debt statute-barred?

The 1980 Limitation Act states that some debts do have a time limit attached to them. In most cases in England, the time limit is six years, which starts from the last time you acknowledged your debt in writing or made a payment.

For your debt to be statute-barred, the following must apply to your case:

  • • The creditor has not opted to register a CCJ against you
    • You haven’t made a payment in the last six years
    • You haven’t acknowledged your debt in writing in the last six years.

Assuming all the above criteria are met, the debt cannot be enforced by law. If you believe your debt is statute-barred but you are still being chased by LCS, you should seek further advice.

I owe the debt and I can afford to pay LCS Civil Enforcement. Should I?

If LCS can prove that you are liable for the debt and you have the means to do so, it might be beneficial for you to pay the monies owed as quickly as possible. Before paying anything, however, it is important to fully consider your options to ensure that you are taking the right actions for your unique circumstances.

I can’t afford to pay LCS Civil Enforcement. What now?

If the debt is yours and is not time-barred but you cannot afford to pay it, there are several options available to you. Maintaining open channels of communication with LCS may result in the establishment of a payment plan.

If you cannot agree on a payment plan, you should explore your debt management options. These can include a Minimal Asset Process, Debt Consolidation Loan and Bankruptcy. These services will help you to obtain the advice you need via phone or an intelligent integrated AI chatbot.

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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Can I write off my LCS Civil Enforcement debts?

Depending on the type of debt you owe, you might be eligible to have the sum written off by obtaining an Individual Voluntary Arrangement (IVA.) IVAs can only be used if your debts are unsecured (which might include benefit overpayments, credit cards, council tax debt, store cards or overdrafts) and total more than £5,000.

To qualify you must also be able to demonstrate that you can afford to pay at a minimum of £90 each month towards the repayment of your debt. Importantly, you will still qualify if you meet the above criteria but some of your debts are owed to a different creditor.

What action can LCS Civil Enforcement take?

LCS Civil Enforcement has the same legal powers as your original creditor. LCS can chase you for payment of your debt, but they are not permitted to contact you during unsociable hours, use aggressive tactics, or harass you.

If you communicate to them that you only wish to be contacted in a particular way, they must abide by your wishes. This means that you can request for all communications to be conducted via letter or during standard working hours.

If you fail to pay your debt, LCS is permitted to send field agents to your property but they’re not bailiffs and cannot enter without your permission. However, LCS can attempt to send bailiffs to recover goods to cover your debt, issue a County Court Judgement (CCJ) against you, and/or apply for a charging order or an attachment of earnings order. To do this, however, they must first take you to court.

Could my LCS Civil Enforcement debts mean that I lose my home?

As there are several processes that need to be completed first, it is unlikely that you will lose your home. LCS Civil Enforcement primarily deals with unsecured debts, however, if you fall behind with your repayments the agency could opt to apply to the courts to have your debt secured against your property. This process is done using something called a Charging Order but for this to take effect, LCS will also need to successfully apply for a CCJ against you.

How do I make a complaint about LCS Civil Enforcement?

You can complain directly to LCS in several ways:

Post: 13 Greenland Crescent, Middlesex
Phone: 0781 882 0366

If the outcome of your complaint is not to your satisfaction, you can escalate it to the CSA or FCA.

Who is LCS debt recovery?

LCS is a debt collection agency that collects payments on behalf of a variety of creditors, businesses and individuals.

Do LCS work for HMRC?

Yes. LCS Civil Enforcement collects tax credit overpayments and unpaid tax on behalf of HMRC.

Does LCS affect credit?

Missed payments and unpaid debts can negatively affect your credit score, which can impact your ability to obtain further credit.

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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