Phillips & Cohen are a debt collection agency. They collect money owed to other people, and also for debts that they have purchased themselves. Phillips & Cohen collect debts for many well-known companies, including EE and NPower. They also collect unpaid taxes on behalf of HMRC, council tax and parking tickets.
Phillips & Cohen are a debt collection agency. They collect money owed to other people, and also for debts that they have purchased themselves.
If you are being contacted by Phillips & Cohen it is probably because you originally owed money to another company. As a debt collection agency, Phillips & Cohen collect money on behalf of other people. You may also find that you owe money direct to Phillips & Cohen: this will happen if they have bought your debt from someone else, often as part of a bundle of debts.
Yes, it is a legitimate debt collection agency.
Phillips & Cohen collect debts for many well-known companies, including EE and NPower. They also collect unpaid taxes on behalf of HMRC, council tax and parking tickets.
If you are contacted by Phillips & Cohen do not to ignore the letters or calls. You can, if you wish, request that they deal with you only in writing which should limit the number of telephone calls you receive from them. Ignoring your debts and contact from debt collectors will not make the debt go away. You should take advice on your options if you need it, but tell Phillips and Cohen that this is what you are doing. Keep records of any contact you have with Phillips & Cohen.
No, you cannot, but you can request they deal with you only in writing. They should comply with your request.
Most debts can only be pursued within the time limits set down in the relevant laws, usually six years in England and Wales. The debt will not be ‘statute barred’ if the creditor has a County Court Judgment for it, you have made a payment during the last six years or you have acknowledged during the last six years that the debt is due, for example by writing a letter about it. If you think your debt is statute-barred you may need legal advice.
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First of all, always seek proof that the debt is owed. If it is owed and you can afford to pay, taking into account any other debts you have, then you should.
If you cannot afford to pay, then there may be several options available to you. Our AI chatbot will help give you a clearer view of what may be possible in your circumstances. For example, it may be possible to agree on a payment plan with Phillips & Cohen so that you pay the debt in more affordable instalments.
There is an option, available to some debtors if they meet the relevant criteria, which could help you write off some of the debts. This is known as an IVA in England and Wales, and a protected deed of trust in Scotland. If you qualify then you make agreed monthly payments for a set period (usually 60 months in England and Wales) and then at the end of this period any remaining debt covered by the IVA or Trust Deed is written off.
Phillips & Cohen can ultimately pursue the debt in the County Court and obtain a County Court Judgment (“CCJ”) against you. Once they have a CCJ registered then they can enforce it by instructing bailiffs to attend your home, obtaining a court order for the money to be paid directly from any bank or savings accounts you have or to be deducted from your wages by your employer. It is also possible for them to use the CCJ to obtain a charging order against your home.
If you are a homeowner an unpaid debt can mean that you will ultimately lose your home, but this will not happen overnight. There are several steps which need to be taken first. Any creditor has the right to take you to court for an unpaid debt, and to obtain a County Court Judgment if the court agrees that the debt is owed.
County Court Judgments can be enforced in several ways, for example by sending in bailiffs and also by applying to the court for a charging order to secure the debt against property owned by the debtor. An unpaid charging order can result in the property being sold to repay the debt due and at this point, you would lose your home. However, obtaining a charging order is a lengthy process involving a County Court Judgment as a first step.
If you are concerned about your debts, and you would like to know more about the options which may be available to you, take a look at the rest of the debtbuffer.com website. Our helpful AI chatbot will ask questions to help you understand your debt options. By following these questions the chatbot can tell you whether your circumstances suit you for possible debt solutions, and you will get a clearer view as to whether it is possible for you to get on top of your debts by writing them off.
At DebtBuffer we help to ensure people get treated more fairly by their creditors and also help to write letters to creditors to buy more time to get on top of your debts.