Who are Advantis Credit Ltd?
Advantis Credit Ltd are a debt collection agency (DCA) that specialise in collecting payments of debts owed by individuals or businesses.
They collect debts on behalf of HMRC if you don’t pay your tax bill and for overpayment of tax credits. They also collect debts on behalf of the DVLA and several large utility companies.
Chances are they are calling or writing to you because they believe you owe money.
If you have been contacted by them, you have to make a decision on how to deal with them.
Do you actually owe them any money?
Advantis are just a debt collection agency, and therefore have to provide clear evidence that you owe the money.
Just because they keep calling or are writing you letters stating that you owe them money, does not mean you actually do. YOU MUST CHECK!
How old is the debt they are collecting?
It could be statute barred, which means you no longer owe it.
If you do owe them money then do not enter into an agreement with them before you have taken advice.
This will make sure that they can prove that you actually owe the debt, and if so, that you get an agreement which is affordable for you.
Too often people are pressurised into paying the amount the debt collection agency want them to pay, even if they really can’t afford to pay that much each week or month.
Our experts deal with Advantis Credit Ltd every day, and can quickly help you determine if the debt is statute barred, in which case you won’t have to pay anything.
If you do owe the money then we can also give you a FREE financial assessment, which you can then send to Advantis.
This will make sure that if you do owe them money you only enter an agreement to repay on YOUR TERMS, at a rate you CAN AFFORD, rather than the one they may suggest.
Even if you have already entered an agreement with them, we may still be able to help you if you feel you are struggling with the current payments.
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What can Advantis Debt Collection do?
If you have received a letter or call from Advantis, this may sound scary and intimidating, this is just a normal stage in the collection process for the majority of debts.
Debt collection agencies are not bailiffs. Debt collecting agencies are unable to do anything different to the original creditor.
Companies like Advantis must follow the strict debt collection guidance that are laid down by the FCA (Financial Conduct Authority)
The FCAs debt collection rules and guidance sets out minimum standards that all authorised companies involved in debt recovery and debt collection must adhere to in order to be considered fit to operate as a debt collector.
Therefore, under the rules laid down by the FCA, the debt collection company can not claim unfair or excessive collection charges, they can not harass you, they can’t threaten to seize your property (when lawfully they cannot), they can not bypass an appointed representative and contact you directly. The FCA also bans debt collectors from threatening legal action when it is unlikely to take place.
The following actions are all unfair. We’ve seen all these activities and more. Some of these are outlawed by industry rules or codes of practice, and some of them are illegal:
- Calling you at unreasonable times
- Calling you at work without permission or after you’ve told them to stop
- Discussing your debts with a family member or employer
- Taking payments without your permission
- Refusing to deal with advice agencies like us, or not giving time to consider your options after you’ve contacted an advice agency for help
- Pressuring you to pay off a debt by borrowing more money
- Using legal or technical language to confuse you
- Sending letters that look like court forms
- Refusing to give you information about your account when you ask for it
- Pretending to have legal powers they don’t have
- Adding unreasonable charges, higher than the actual costs of collecting the debt
- Continuing to contact you for payment when the debt is being disputed
- Continuing to demand payment when a debt is statute barred – this means the law says the debt is too old to chase through the courts.
If you’re one of the many people being sent constant letters, text messages and not answering your phone without looking at “whocallssme.com” in order to avoid the many (and we mean MANY) phone calls by Advantis Debt Collectors. Or if you have received a letter about a debt you don’t recognise or think you’ve paid off, or if you are struggling to repay the amount they are asking for, fill in our simple form and we’ll call you back to see if we can help.
Advantis Debt Collection Agency Contact Details:
Numbers they call from:
Please note that we are not associated with Advantis Credit Ltd in any way. The information on this page is provided to help people contact their creditors.
If you’re finding it difficult to make your monthly payments to Advantis you may need help looking at your budget and managing your debt. We deal with such companies all day, every day and we know exactly how to approach them. If you’re struggling to repay a debt and would like us to deal with Advantis debt collectors on your behalf, or simply need a bit of advice, just click on the GET HELP NOW button below.