The Ultimate Guide to One Source Debt Resolution

If OneSource Debt Resolution has contacted you, then you might be concerned about the stressful situation you have landed in.

Unpaid debts and overhanging payments can significantly impact your mental health, so it is in your best interest to repay your creditors as soon as possible.

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This informative article will cover everything there is to know about OneSource Debt Resolution and plausible debt solutions that might help you work your way out of persistent debt.

You don’t have to deal with forceful bailiffs or tight payment plans for the rest of your life, you can take back control.

Who is One Source Debt Resolution?

OneSource is a public sector shared support service that aims to deliver increased and ethical collections.

They work with local authorities to collect unpaid debts on their behalf. Some of the services that they can offer include:

  • Telephone collections.
  • Enforcement.
  • Tracing.
  • Data analytics.
  • Data segmentation.
  • Doorstep collections.

Their agents are local government officers and have years of experience successfully collecting council tax, business rates, parking debts, commercial rent, sundry debts and NNDR.

They operate following the Tribunal, Courts and Enforcement Act 2007.

Are they a legitimate company?

Yes, OneSource is a legitimate company, so you should take them seriously and never ignore their attempts at communication.

Failure to make your payments or respond to their letters could result in serious consequences, such as further fines, court action, and repossession of your belongings.

How do I get in contact with OneSource Debt Resolutions?

You can get in touch with OneSource, the debt settlement company, via the following methods:

  • Email – [email protected]
  • Phone – 0203 373 3588
  • Enquiry form
  • Post – Station House Station Approach, Otford, Sevenoaks, Kent, England, TN14 5QY

You can contact One Source using the above methods to make an enquiry, file a complaint, or reach their debt collectors.

Why is One Source Debt Resolution contacting me?

If OneSource enforcement has contacted you, you will likely hold some unsecured debts to them or local authority.

One Source is a debt settlement and debt consolidation company that works for many credit businesses.

So, if you have received any form of contact from OneSource, it could be for a debt that you originally held to another credit card company or to your local council.

If you aren’t sure whether the debt is yours, make sure to request a Proof of Debt letter before making any payments.

If you are interested in what debt solutions are available to help you pay your debt, then continue reading!

What will happen if I ignore OneSource?

If you ignore One Source, you might find yourself in even deeper financial struggles, as the debts will only continue to increase and circumstances may become more serious.

OneSource enforcement agents are persistent and won’t back down even if you keep on ignoring their efforts to communicate.

Failure to respond to or acknowledge their calls, letters, and visits could result in court action, additional fines, and repossession of your belongings.

So, it is wise to openly communicate with One Source to prevent matters from escalating and to stop bailiffs from frequenting your home.

Get a Proof of Debt

You should never ignore OneSource; however, you should take some security steps before paying them, such as obtaining a Proof of Debt letter.

A Proof of Debt letter provides written evidence to prove that the debt in question is yours.

While it is uncommon, there have been instances where the wrong person has paid someone else’s debt. So, getting Proof of Debt from any creditor, debt consolidation or debt settlement company is important.

If the debt settlement companies cannot produce of valid Proof of Debt letter, then do not make any payments.

Check if the debt is statute-barred

If your debts have not been chased for at least six years, and no payments have been made in this time, then your debt can be written off as statute-barred.

Statute-barred debts cannot be legally chased by your creditors, as the collection period has been terminated.

Will One Source debt collectors come to my house?

Yes, One Source debt collectors may visit your property if you continue to miss your monthly instalments or other terms of your payment plan.

They may pressure you to repay the loans you owe. However, no legally binding agreement permits them to enter your home uninvited.

It is illegal for a bailiff to force entry onto your property if they do not possess a court-issued warrant.

If you do not wish to speak with the collector, close and lock your door, then ask them to leave your premises. You can request they contact you via one of your preferred methods, such as by phone.

Should the debt settlement collector refuse to leave, call the police or a bailiff helpline to help diffuse the situation.

What can OneSource bailiffs do?

It is important to educate yourself on what rights bailiffs possess to ensure they conduct themselves correctly.

Debt enforcement agents can take the following action to try to persuade you to make your payments:

  • Carry out a home visit to try to encourage payments.
  • Reach out to you at reasonable times by email or phone.
  • Add interest or additional fees to the debt if monthly payments are missed.
  • Send high court officers to seize personal property.
  • File for a County Court Judgement, or other court orders, if the payment plan is not met.

As the Tribunal regulates OneSource enforcement agents, Courts and Enforcement Act 2007, certain ethical standards must be followed.

There have been times when a debt settlement company hasn’t acted ethically and used underhand techniques to force the debtor to make lump-sum payments.

What can’t OneSource bailiffs do?

Bailiffs may try and reclaim funds for a credit card issuer or other creditors using sly and aggressive techniques.

Enforcement agents are not permitted to take the following action in an attempt to claim a debt settlement:

  • Use misleading jargon to confuse the debtor.
  • Showcase incorrect or falsified details regarding your debts.
  • Give details of your debt to anyone other than yourself.
  • Aggressively threaten or intimidate you into paying a debt settlement or instalment.
  • Force their way onto your property.
  • Take assets from private land that doesn’t belong to the debtor.
  • Contact you at work or at unreasonable times.

If you believe that the OneSource bailiffs have acted unethical, you should file a complaint, call the police, or call a bailiff helpline.

Can OneSource break into my house?

A OneSource agent can only enter your premises if you permit them or if they possess a liability order from the court.

If the bailiff tries to force their way into your property, you should contact the police, as they will be trespassing on private land.

Can OneSource Debt Resolution Services remove items from my home?

If you let a OneSource enforcement agent into your home, they might claim your assets as collateral for your debts.

To take your belongings, they must possess a controlled goods agreement.

OneSource enforcement agents can remove luxury items like jewellery, vehicles, and televisions. However, they cannot take the following essential items:

  • Blue Badge vehicles.
  • Fridges.
  • Microwaves.
  • Pets, including guide dogs and support animals.
  • Assets that don’t belong to the debtor.

If the bailiff attempts to claim any protected items, you should call the police or a debt advice charity.

You can receive free debt advice from a range of debt charities that can offer money guidance and suggestions to secure your financial future.

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What happens if I don’t pay One Source?

If you don’t pay your debts with OneSource, then more serious action will be taken against you by all your creditors to try and reclaim the money that is owed.

Most creditors will continue chasing you, meaning more home visits, calls, emails, and so on. Remember, you will be charged additional fees every time an enforcement agent is sent to your home.

You might think the more you ignore them, the higher the chance of them giving up and leaving you alone, but this is far from the truth.

Not only will they continue to bombard you with communication, but they may take you to court to order a settlement agreement.

As a last resort, you may even be forced to file as bankrupt, which will hugely negatively impact your credit report, making other areas of your finances much more difficult.

OneSource enforcement fees

A range of charges is tied to every stage of enforcement from OneSource debt settlement.

The fees include:

  • Compliance stage – The compliance stage consists of OneSource’s initial attempts at communication, such as letters. This stage comes with a fixed fee of £75.
  • Enforcement notice – The enforcement stage consists of OneSource debt settlement agents conducting site visits. This stage comes with a fixed fee of £235 and a 7.5% rate over £1,500.
  • Sales of goods – The sale stage is when your property is sold to repay your debts. This stage comes with a fixed fee of £110 and a 7.5% rate over £1,500.

Are there any other additional charges that OneSource can attach to your debt?

There are other examples of when your debt might be given additional fees from OneSource.

For example:

  • Charges for storing your reclaimed property.
  • Charges for any locksmith fees.
  • Charges for court action.
  • Charges for auctioneer fees.

To avoid having interest and fees added to your monthly payments, openly communicate with OneSource Debt Settlement and set up an affordable payment plan.

How can I make a payment to One Source for my debt owed?

You can make a debt settlement to OneSource via the following methods:

  • Pay by phone at 02084302000.
  • Pay online using their payment portal.
  • Set up a standing order (Sort code – 30-00-02, Account number – 00879113).

Contact OneSource directly for more details on how to pay your monthly payment.

How to make a complaint about OneSource

You can make a complaint to OneSource by contacting them directly and outlining your concerns.

It is best to make your complaint in writing, so you should either email One Source or send a letter to their head office.

If you are not impressed with how they handled your complaint, you can raise your concern to the High Court Enforcement Officer’s Association (HCEOA).

You can get in touch with HCEOA via the following forms of contact:

How can I stop OneSource Debt Settlement?

You can attempt to prevent bailiff action or further bailiff fees by repaying the money you owe as soon as possible.

Debt relief will be much easier if you aim to submit a debt settlement sooner rather than later. Leaving payments to the last minute will only resort in your debts increasing and even becoming unmanageable.

You can prevent your debts from growing by taking the following steps:

Communicate with OneSource directly

It is crucial that you openly explain to OneSource your financial situation, as you can’t start the negotiating process unless they understand your complete personal situation.

By highlighting that you are struggling to repay your debt and that you could benefit from a lower payment plan, OneSource may allow you to make the required changes.

OneSource would rather be receiving small instalments toward your debt than no payments at all.

Seek debt advice

Debt help charities work with individuals struggling to repay their debt, from credit card bills to outstanding council tax arrears.

They can provide quality advice and guidance to individuals who don’t have enough money to pay back their loans.

So, if you are in any kind of debt, such as credit card debt, then reach out to free financial advisor services to receive confidential debt advice and money guidance from a qualified debt adviser.

What if I can’t pay OneSource?

If you cannot afford to repay OneSource Debt Settlement, then don’t worry! There are debt solutions that will help you pay your debt settlement companies.

Debt management plan

If you find it hard to repay your debts, you should consider setting up a debt management plan.

A debt management plan, or a DMP, allows individuals to find debt relief by freezing any interest rates.

This debt solution allows debtors to make lower, more achievable payments without the attached interest, which could help save money as the lump sum you contribute each month is lower.

Debts with more interest are harder to repay and could contribute to individuals falling into persistent debt.

Debt relief order

A DRO, or debt relief order, pauses any repayments toward your debt for a whole year; this allows you to save your money and get your finances back on track so you can start paying your creditors consistently.

A DRO is a quality debt solution, as it creates more time for debtors to sort out their credit.

Sometimes all individuals need is a little more time to build up their money, and a debt solution like a DRO is the perfect option.

Declare bankruptcy

As a last resort, you could consider filing for bankruptcy; however, this can have serious consequences for your credit rating and should only be considered if you have exhausted all your other options.

Always consult a debt adviser for confidential advice before confirming a debt solution.

FAQs

What if the OneSource letter isn’t for me?

If the debt letter isn’t for you, you should make the creditors aware of their mistake. This will prevent the enforcement services from contacting you again.

If you know any details or circumstances that may help the creditors locate the actual debtor, then you should provide the creditors with this information.

The bailiff has clamped my car, can I remove it?

No, you should never remove a clamp from your car if your creditors have ordered it to be there. The circumstances may worsen if you try to unclamp your vehicle.

It is a serious offence to remove a clamp or to obstruct a bailiff if they are trying to carry out enforcement services.

To avoid having your car clamped, park your vehicle inside or on a friend’s driveway.

Summary

Owing money to creditors can be stressful, especially if you struggle with your income and can’t meet what you owe each month.

Many debt charities will help those who are struggling through their range of money services. They will even help them find a suitable debt solution for their unique circumstances.

You don’t have to worry about your credit or income, some services will help you make a debt settlement or meet an affordable payment schedule.

List of Debt Collection Agencies UK

Here is a list of all the debt collectors in the UK.

Debt Collectors

Before speaking and dealing with a debt recovery company we strongly advise you speak to the debt advisor and take the debt quiz.

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