The Ultimate Guide to Advantis Credit Debt Recovery

At some point in our lives, we may find ourselves in a situation where our financial status isn’t quite as secure as we would like. With over 8 million people in the UK alone suffering from debt-related issues, it is one of the most frequent problems we may face in our adult lives.

Due to this, there is a range of different debt collecting companies we may end up having relations with. One such company is Advantis Credit Ltd.

Finding ways to lower your debt and relieve yourself of this burden is extremely vital when it comes to putting your mental health first. Nobody wants to be constantly under financial stress, which is why we have created the ultimate guide to Advantis Credit Debt Recovery to help you onto the right path.

So whether you are looking for more information about Advantis Credit or if you are seeking advice, read on to find out how you can lower any outstanding debt today!

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Who is Advantis Credit Debt Recovery?

Advantis Credit Debt Recovery are one of 11 debt collection agencies registered in England that can collect debt for the HMRC in the UK. Established in 2004 they act on behalf of a range of Utility, Retail and Government agencies to collect the debt that is owed.

They are both a member of the Credit Services Association and regulated by the Financial Conduct Authority FCA.

Where are they based?

Advantis Credit LTD is based in Stoke on Trent but they operate throughout the entirety of mainland England. The exact address for Avantis Debt Collection Agency is Minton Hollins Building Shelton Old Road Stoke on Trent Staffordshire ST4 7RY.

Are they a legitimate Credit Debt recovery company authorised and regulated in the UK?

Advantis Credit are a legitimate credit recovery agency that is legally allowed to operate within the UK. They are regulated by the Financial conduct authority and can collect any outstanding money you owe to the HMRC.

Advantis Credit may also collect on behalf of a variety of different agencies, so always make sure you aware of what you are paying for.

Can Advantis Credit Ltd take you to court?

If you have an outstanding debt that Advantis Credit are seeking payment for, they can bring you to court if you don’t pay the money that you owe.

This will only be the case, however, if you have not made the payments in the agreed-upon time frame. Once they have decided to take you to court, you will receive a letter from the County Court Judgement at your home address.

Can Advantis Credit come into my house?

As Advantis Credit are known as debt collectors and are not classed as bailiffs, they cannot enter your home. This means that they can’t forcefully enter your property and take your items to cover any owed money.

Instead, they may issue notices to you regarding your lack of payment or even apply for a County Court Judgement. If you are worried about any of this are you feel like you need help then please contact a debt advisor!

Why is Advantis Credit contacting me about debt collection?

If you are being contacted by collection companies such as Advantis Credit, this generally means they believe you owe them money. Whether or not they have the right person, its best to figure out as soon as you can if you truly do owe them money at all.

How do I contact Advantis Credit?

There are two main ways you can contact Advantis Debt Collection, either through their mobile at 01782 971 346, or by emailing them at [email protected]. You can also send post to their registered address which is Minton Hollins Building Shelton Old Road Stoke on Trent Staffordshire ST4 7RY.

Contact times for Advantis Credit LTD can be found below:

8:00am – 7:00pm Mondays to Fridays

8:30am – 1:00pm Saturdays

Closed All Day Sundays

How does Advantis Debt Collection operate?

You will usually receive an initial letter from Advantis Credit alerting you to any outstanding money you may owe to either the HMRC or one of the companies they collect for. Once the letter has been in your hands for a week or so, you will typically start to receive phone calls from Advantis Credit asking you to pay the money they claim you owe.

Advantis Credit will typically amp up the pressure until they get the money they want. This can go on for a long while until either an alternative solution is found by speaking to an advisor or you pay the money they are asking for.

Will Advantis Credit Limited give up?

Typically, Advantis Credit will not give up seeking payment until they have attempted every possible option that they can take. This can take anywhere between 3-6 years depending on the debt owed and the circumstances surrounding it.

Which is why it’s best to deal with the issue as soon as you can, Agencies like Advantis Credit do not like to give up.

Did you know up to 85% of Your Debt can be Written Off?

An incredible way to lower your debt and improve your general wellbeing if you are being pursued by companies such as Advantis Debt Collection Agency is to seek a consultation with a debt advisor.

Using consolidation methods, an advisor may be able to help you lower the money you owe by up to 85%.

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Why are Debt Collection Agencies contacting me?

Advantis Debt Collectors will be contacting you as they believe you owe money to either the HMRC or one of the many businesses they operate for.

Whether or not you do owe them the money they claim you do, they will constantly pester you until you have either proved its not your debt or you have paid. This can lead to high levels of stress and even make you feel uncomfortable in your own home due to constant pressure.

Automated Call Technology

Perhaps one of the most abhorrent tactics a debt collector will employ to try and get you to pay your debt is through the use of automated call technology. How this works is that a debt collection agency will set up a system that will call your phone at set intervals.

For example, you may receive a call from them every hour but when you answer the line is silent as the system is automatically running. This is simply employed as an intimidation tactic to get you to either contact them or to pay your debt.

This tactic, however, is a breach of the OFT guidelines which means that you can use this against them. Firstly, make a note of how often you are being called per day so that you can refer back to it if needed. Next, you can either contact the agency itself to let them know you are reporting them for the constant harassment or you can go directly to the Financial Ombudsman Service.

The Financial Ombudsman Service can be contacted by phone either on 0300 123 9123 or 0800 023 4567. The sooner you report this behaviour and make a complaint, the sooner it will stop.

What if I can’t afford to pay back a debt?

The first step and an extremely important one is to talk to someone, such as a debt advisor about ways to get through this. Not being able to pay a debt can be an extremely uncomfortable situation that has the potential to massively impact your wellbeing.

When you have a debt that needs to be paid to Advantis Credit, there are a variety of different ways you can lessen the burden. Whether that’s through debt consolidation or by altering your repayment plan, below are a few ways you can help yourself. However, please note, that before you do try to alter your plan or pay your debt if you are struggling then please seek help by contacting a debt advisor.

Debt Consolidation: Consolidation is where you can combine all outstanding payments into one large convenient payment. Typically, this will be lower than the overall amount you owe so some advisors will recommend this.

Alter Your Payment Plan: Some debt collection agencies will allow you to change your payment plan to one that suits your certain circumstances. This is a great idea if you believe you can pay over time but Advantis Credit keeps pressuring you with phone calls and house visits.

Lower your outstanding debt with the help of an advisor: This is without a doubt the best way you can help yourself and your finances and keep up with any payments. Some advisors can lessen your overall debt by up to a whopping 80-85% which is extremely useful if you are struggling. Try to discuss this option with your advisors as you might be able to help yourself out a lot!

Can pay but won’t pay?

When it comes to debt collectors such as Advantis Credit, they simply won’t give up for years until you pay the debt that you owe. If you can pay your debt without suffering too much of a financial backlash, then the best thing to do is to just pay the debt.

This is the simplest and quickest way to prevent being contacted regarding debt and can be a massive weight lifted off your shoulders.

Always ensure that by paying your debt entirely upfront you aren’t putting yourself into a tougher financial situation. If you have immediate payments such as mortgage or rent, then try to find a way to alter your repayment plan to something that aligns with your finances.

You should also always make sure that the debt you are being asked to pay is money that you do owe. By writing to Advantis Credit you can ask for an original copy of your outstanding debt so you can verify exactly how much you owe and whether or not the number is what you were expecting.

How a Debt Collection Agency can ruin your life:

With the constant harassment and the looming debt, being pursued by a debt collection agency can be extremely detrimental to your wellbeing. Whether that’s due to stress or other financial related issues, debt collectors can harm your life and wellbeing.

Due to the pressure, you may feel to pay your outstanding debt upfront it can put you behind on a variety of other payments too. Payments such as your rent or mortgage end up being left behind and pile up, which can put you in an extremely precarious situation.

By discussing potential options with an advisor you will be able to find a payment method that works for you, without pushing other outstanding payments to the side.

Making a payment

Once you have discussed your situation with an advisor and received debt advice, you may be wondering what steps you may need to take next. If you are happy with your new situation and you have found a solution that suits your finances, you may want to make a payment on the money you owe.

Payments can usually be made to Advantis Credit online using the app on their website or via mobile/online banking using the details they provide. You can also mail them the money or transfer it through another financial institution.

We would, however, highly recommend speaking to an advisor before making any payments as you may be paying more to Advantis Debt Collection than you need to.

Deceit and lies – intimidation tactics

Sadly, a lot of debt collection agencies employ deceitful and intimidating tactics, such as the previously mentioned automated calling, to try and get the money they believe you owe. Some other common tactics that Advantis Debt Collectors may use are the Good Cap, Bad Cop routine and discussing your financial issues with a third party.

By employing these tactics they are attempting to intimidate and embarrass you to the point where you will pay to get rid of them. This is extremely immoral and should be immediately reported to the Financial Ombudsman.

If they do try this, try to stay strong and seek advice or help as soon as you can as these tactics can massively impact your mental health. This is especially true if you can’t afford to pay the money they claim you owe. Once you have contacted the Financial Ombudsman and discussed your situation with them, you should seek a debt advisor who can offer you debt advice and help with Advantis Credit.

Companies such as Advantis Credit may believe they can operate outside the law, but this just simply isn’t the case. Always ensure you report any deceitful behaviour to both the Ombudsman and the Financial Conduct Authority.

How do I deal with debt collectors at my door?

One of the first things you need to do if there Advantis Credit agents are at your door is to ask for a form of ID from them. By law they must have the correct ID on them, if they don’t you should call 999 immediately as they have no reason to be there.

Another thing to be aware of is that, unlike bailiffs, Advantis debt collectors and debt collectors, in general, cannot enter your property without permission and they must leave when asked.

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Seek debt advisor help:

If you are tired of the stress caused by Advantis Debt Collectors then there is no shame at all in seeking advice, whether through phone calls or in-person meetings. Debt Advisors are there to help you find a solution to any debt problems you may be facing and they are extremely effective at doing so.

If you have been contacted by Advantis Debt Collection Agency whether through a call or you have received a letter stating you owe money, please contact an advisor as soon as you can. The sooner you contact an advisor the sooner you will find a solution that works for you and the sooner you will get Advantis Credit off your back.

Check if you truly owe a debt collection company money:

This is an extremely important step to take and one that so many people have forgotten to do. Before you send Advantis Debt Collection any money, always make sure that the debt they claim you owe is your debt.

Frequently debt collectors will make mistakes regarding who the debt belongs to or simply mistake your identity. You will have to prove the debt is not yours if you believe that is the case. Although this can sometimes be tricky it is a far better option than letting your supposed debt weigh you down.

No matter your circumstances, if you are worried about your debt levels or you are seeking alternative payment methods please speak to a debt advisor before taking action. Advantis Credit will not stop until they get what they want unless you do something about it. Advisors can and will help you find a solution that works for you!

List of Debt Collection Agencies UK

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