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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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Lucas Credit Services Ltd Debt Collectors

Lucas Credit Services is a UK debt collection agency. They collect debts on behalf of other companies and organisations, including BT and Provident. They also purchase bundles of debts from creditors and then seek to recover these debts on their own behalf.

Who is Lucas Credit Services Ltd Debt Collectors?

Lucas Credit Services is a UK debt collection agency. They collect debts on behalf of other companies and organisations, including BT and Provident. They also purchase bundles of debts from creditors and then seek to recover these debts on their own behalf.

Why am I being contacted by Lucas Credit Services Ltd Debt Collectors?

Lucas Credit Services will contact you if they believe you owe a debt – either a debt they have purchased, or a debt they have been instructed to collect on behalf of someone else.

Is Lucas Credit Services legitimate?

Yes, Lucas Credit Services is a legitimate debt collection agency. They are a member of the Credit Services Association.

Do I have to pay Lucas Credit Services?

If you owe a debt then ultimately you are liable to repay it. However, depending on your personal circumstances there may be options available to manage your debts which could include writing off some of your debt.

The first step is to be satisfied that the debt is due to you. You can write to Lucas Credit Services to ask them to prove that the debt is yours and that it remains payable. Further information about this can be found on our debtbuffer.com website. We provide a letter writing service if you need help.

If you can afford to pay the debt, taking into account any other debts and important commitments such as your rent or mortgage, paying it is the quickest way to make it go away and help you to move on with your life. If you do decide to pay a debt it is important to judge whether or not this is going to cause you problems with cash flow in paying other debts or meeting your day to day living expenses.

How Debt Buffer Helps

Debt Harm

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

Deft Letter

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

Deft Easy

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


What if I cannot afford to pay Lucas Credit Services?

If you cannot afford to pay a debt Lucas Credit Services are chasing, tell them. The Office for Fair Trading guidelines for debt collectors states that they should treat debtors facing difficulties sympathetically. You should be allowed time to take advice on the options available to you. Depending on your personal circumstances, these options could include bankruptcy or entering into an Individual Voluntary Arrangement (IVA). Under an IVA you pay instalments towards your debts for a fixed period, usually 60 months. At the end of the 60 month period, your remaining debts covered by the IVA are written off. An IVA is known as a Trust Deed in Scotland.

If you would like to know what options may be open to you to manage your debts, try our easy to use AI chatbot which will guide you through a series of questions to help you understand your options.

Can I ignore Lucas Credit Services?

If you ignore Lucas Credit Services the debts will not go away. Ultimately they are able to issue a claim in the County Court for a County Court Judgment. Once a CCJ has been obtained then the creditor can instruct bailiffs to come to your home, or take other enforcement including applying for a charge to be entered against any property you own. Ignoring a debt collection agency is not a good idea, even if you do not believe you owe the debt they are chasing.

Are Lucas Credit Services bailiffs?

No, Lucas Credit Services are not bailiffs. If they obtain a CCJ they can, however, instruct bailiffs to attend your home to enforce the terms of the CCJ if you do not pay the instalments set out in the CCJ.

Can Lucas Credit Services come to my home?

Lucas Credit Services can only come to your home if they warn you first. They are not bailiffs, so they have no power to enter your home unless you invite them in. If you do let them in, they must leave when you ask them. They have no power to take away any of your possessions with them.

Lucas Credit Services should comply with the guidelines applicable to debt collection agencies. These include abiding by your contact preference, so if you would prefer only to be contacted in writing rather than by phone or home visit you should tell them so.

Will Lucas Credit Services take my home away?

Lucas Credit Services do not have the power themselves to take your home away. However, if they obtain a CCJ then they can ask the court to put a charge on any property you own. If you do not keep up with the CCJ repayments then they can ask the court to order that your property is sold, meaning that you could ultimately lose your home.

If you owe debts it is important to take action to manage them. Our debtbuffer.com site can help with useful information and our letter writing services. We support people who have debts to receive fair treatment and to obtain the breathing space they need to deal with their debts properly.

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.


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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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