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.
Zinc Collections is a debt collection agency. They collect debts on behalf of other companies and organisations.
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.
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.
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.
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.
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.
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.
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.
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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.
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.
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.
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.
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
4 Elm Court
Stratford Upon Avon
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
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