Quick Summary:
- They are legitimate
- They won’t stop chasing you until you pay
- They will look to impact your credit file with defaults & pursue CCJ’s
- They might visit your home to demand payment
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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.
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.
