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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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Zinc Group Debt Collections

Zinc Collections is a debt collection agency. Zinc Collections collect for many companies and organisations, including utility and phone companies, credit cards and HMRC. They also collect unpaid parking fines and council tax. They are a member of the Credit Services Association and as part of that membership they have signed up to the CSA code of conduct.

Who are Zinc Collections?

Zinc Collections is a debt collection agency. They collect debts on behalf of other companies and organisations.

Why are Zinc Collections chasing me?

If Zinc Collections is chasing you it is because they believe you owe a debt which they have been instructed to collect. They also purchase bundles of debt, meaning they have the right to pursue payment of these debts in place of the original creditor. Debts get bought and sold because this means the original creditor is able to receive an element of the money owed straight away, improving their cash flow. The debt collection agency that buys the debt hopes to make a profit by recovering more of the debt owed than they had to pay to the original creditor to purchase it.

Is Zinc Collections a legitimate debt collector?

Yes, Zinc Collections is a legitimate debt collector. They are a member of the Credit Services Association and as part of that membership they have signed up to the CSA code of conduct.

Who do Zinc Collections collect for?

Zinc Collections collect for many companies and organisations, including utility and phone companies, credit cards and HMRC. They also collect unpaid parking fines and council tax.

Should I ignore Zinc Collections’ letters or calls?

Ignoring letters and calls from Zinc Collections will not make your debt go away. If you believe that the letters and calls do not relate to you or your debts then you should tell Zinc Collections.

If you need time to get advice about your debts and the options you may have to manage them, tell Zinc Collections.

Can I stop Zinc Collections from contacting me?

You cannot stop Zinc Collections from contacting you, but you can ask them not to visit or telephone you and to deal with you only in writing if this is what you would prefer. The code of conduct they have signed up to means that they have to comply with your reasonable requests about contact methods.

Is my debt to Zinc Collections debt statute-barred?

Whether a debt is statute-barred can be a complex issue and, if you believe this applies to you, you may need legal advice. In England and Wales, debts can be ‘statute barred’ meaning the creditor can no longer pursue them if you have made no payments for six years and you have not acknowledged the debt is due during that period. If your debt is a very old debt, you have made no payments and had no contact with the creditor for the required period then this might apply to you.

I owe the debt and I can afford to pay Zinc Collections. Should I?

If you are satisfied that you owe the debt and you can afford to pay, paying the debt will stop further contact from your creditor and enable you to move on. You should, of course, take into account your essential outgoings and any other debts you are liable for to ensure that you can actually afford to pay.

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

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I can’t afford to pay Zinc Collections. What now?

If you cannot afford to pay you probably have several options available to you, depending on your circumstances. Our AI chatbot will guide you through a series of questions to help you understand what options may be available. This may include an IVA, a debt management plan or bankruptcy.

Can I write off my Zinc Collections debts?

If you cannot afford to pay your debts there may be options open to you, depending on your circumstances. These could include bankruptcy, or an IVA (in Scotland, a Trust Deed.) An IVA means that you pay set instalments towards your debts for a fixed period, usually 60 months. At the end of the 60 months, any remaining debts covered by the IVA will be written off.

What action can Zinc Collections take?

Zinc Collections cannot visit your home without warning you first. They are not bailiffs, so they have no right to enter your home unless you invite them in. If you do invite them in, they must leave when you ask them to. They cannot take your property away with them.

Zinc Collections can, ultimately, take you to the County Court to obtain a County Court Judgment in respect of the debt if you do not pay a debt which is due. You should have received warning letters before this happens.

Could my Zinc Collections debts mean that I lose my home?

If Zinc Collection obtains a County Court Judgment against you then one option open to the debtor is to apply for a charge to be placed on your home if you are a homeowner. If you do not meet the repayment schedule set out by the CCJ then the debtor can apply to the court for an order for sale, meaning that ultimately your home could be lost.

How do I make a complaint about Zinc Collections?

If you are unhappy with the way you have been treated by Zinc Collections you can complain to the company by telephoning them on 0330 100 0850 or sending a letter to:

The Zinc Group
Kings House
4 Elm Court
Stratford Upon Avon
CV37 6PA
United Kingdom

If the complaint is not handled satisfactorily you can escalate it to the FCA or CSA. The contact details for the FCA are:

The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
Email: complaint.info@financial-ombudsman.org.uk
Phone: 0300 1239 123

The contact details for the CSA are:

Credit Services Association Ltd, 2 Esh Plaza, Sir Bobby Robson Way, Great Park, Newcastle Upon Tyne, NE13 9BA

Email: complaints@csa-uk.com

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.

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