If Lucas Credit are chasing you, then you are already being hassled by letter on the phone and maybe receiving unwanted calls at work. The tactics they use daily to chase that debt you owe are borderline stalking and cause untold stress. So this blog is going to unravel their business and give you the tools and tactics to fight them back and beat them.
If you can’t pay Lucas Credit and just need them gone, do this
This company in particular, never gives up chasing you for the debt. Calling mobile, sending letters, contacting your work,tracing you on social media and messaging friends/family to embarrass you into paying. So beat them at their own game. Debt collection companies have to legally adhere to a set of rules here in the UK, but rules you can instead use to stop them. I’ll share with you a company, that specifically deals with debt collection companies daily and stops them. They are aware of all the regulations and legislation, these companies use and can get rid of your debt. I used them when in debt, simply because I owed so many, they were brilliant…….. Check them out here
Who are Lucas Credit
One of the largest debt collection companies in the UK they work with banks, mobile companies and credit providers. So if you owed £4000 on a credit card, they will purchase it for around £400. Lucas Credit will then ask you for the full amount and add on monthly fees/charges if not paid back. An original debt of £4000 can soon become £8000 in no time at all. First, automated letters are generated and sent on mass (made to look official and individually typed) to your house. If ignored, an agent will contact you armed with a book of telesales scripts to be read and used. Time is money, so letters and first call will be an immediate ask for full payment. Although well rehearsed and executed, all of the above is empty rubbish and it is now time to turn the tables on these bullies and play them at their own game
First rule dealing with them, never talk to them on the phone. You only deal with them through letter and we are going to send them a load. First of al,l we are going to stop all the calls and texts by sending this letter to them. Second stage here, is to request a lot of information from them that will eventually force them to give up on you. By asking for original documents you signed as you deny having the debt in first place. You have to send them recorded delivery, so there is proof of sending and them receiving.
Offer them what they paid by way of letter and negotiation. Look at this way, you owed £4000 , didn’t pay, it got sold to 1stCredit Debt Collectors, so you offer them what they paid and you save £3600.Then we need to send a letter saying we have been laid off at work, are waiting for benefits and can offer £xxxx only, as full and final settlement of the debt.
Lucas Credit round 2
I will follow up this blog with a second wave of strategies to adopt in fighting them. So check back next month and list some more tactics for you. Remember, they have no real legal power, your pet dog has more legal power!