Not everyone will find themselves on the receiving end of a notice from Ardent Credit Management Debt Recovery. But, remember, looking the other way is not an option—escalation is a real threat. Now, let’s delve into the various routes you have at your disposal with Ardent Credit.
Hold onto your seats, we will guide you through to overcome this problem…
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Understanding Ardent Credit Services: Who are They?
You may come across a name, Debt and Revenue Services, in their correspondences. Don’t let this confuse you; it’s their division that handles debt recovery.
Is Ardent Credit Services Debt Recovery Legitimate or a Scam?
Ardent Credit Services is not a scam. There are many opinions and reviews out there, but let’s make this clear: Ardent Credit Services is a Legitimate Company. They are a registered member of the Credit Service Association, indicating their legitimacy. They do, however, have an extensive amount of 1-star reviews on Google from previous clients who have had false debts being pursued or payments being missed.
That being said, it is vital to verify any debt they claim you owe. Due diligence is your responsibility when dealing with debt agencies, including Ardent Credit Services. Later on in this guide, we’ll cover how to determine whether a debt is legitimate and your alternatives for repaying it.
Reasons Why Ardent Credit Services Might be Sending Letters to You
Do you find yourself wondering, “Why am I getting letters from Ardent Credit Services?” The simplest answer is that they are trying to recover an outstanding debt you owe. The original lender has employed Ardent Credit Services to recover the debt on their behalf.
Vodafone is one of the best-known firms to use Ardent Credit Services. Therefore maybe they are after you because of an unsettled phone bill you owe to them.
Otherwise, there might be rare incidents where they have sent you the letter by mistake. We all are humans. Thus mistakes can happen. Therefore you can verify the debt by reaching out to Ardent Company.
The Consequences of Ignoring Correspondence from Ardent Credit Services
Ardent Credit Services Debt Recovery letters cannot be stopped by ignoring them. It is their duty to keep in touch with you to collect your debt. Because they also work for another third-party company. Ardent Credit may send their collecting agents to your doorstep if you keep ignoring their phone calls and letters.
Keep in mind the Collection agents do not have legal authority like bailiffs do. Thus they are not allowed to enter your home or seize your belongings. For that, they need a warrant or a writ of conduct in the hands of bailiffs.
Feels scared? And if you still don’t respond, they may even file a legal action against you for the debt you owe. Even if you are very certain that the amount owed is false, it is best to get in touch to resolve the issue. Communication with them will not do any harm to you.
Procedures for Preventing Contact from Ardent Credit Services Ltd
They won’t fully stop reaching out to you. Yes, they do have the right to keep in touch with you to collect the debt you owe. However, they are never allowed to threaten and harass you by asking for money. If you are having financial difficulties, they are not permitted to put any pressure on you to settle the debt.
If Ardent Credit visits you and you ask them to leave, they cannot stay at your home any longer unless they are bailiffs agents. Even if you can’t completely prohibit them from contacting you, you may tell Ardent Credit Services Ltd how you prefer to be contacted. After giving these, they are allowed to get in touch with you again only with your preferred contact method.
Potential Legal Steps Ardent Credit Services Can Undertake Against You
Ardent Credit Services, like the majority of debt collection agencies, will make every effort to collect the debt by contacting or sending you letters. For them, this is the simplest and most affordable approach to collecting debt. However, if the sum owed is large, they could sue you to get the money back.
There are a few actions they may take in this situation to recover the debt:
- Issue a County Court Judgement(CCJ)
Ardent Credit Services may request a County Court Judgment if you refuse to settle the amount or if you keep avoiding getting in touch with them. You are required to do so, and if you don’t, Enforcement Agents may visit your house with another court order to seize assets worth the amount of the debt owed.
- Apply for an Attachment of Earnings Order
In order to recover the amount owing from your salary, Ardent may potentially file an application for an Attachment of the Earnings Order. Do not worry. If you’re not employed, self-employed, or work as a military officer, this will not affect you.
- Apply for a Charging Order
They could also apply for a Charging Order which would secure the debt against your house. Even though it doesn’t happen often, if it does, your house is used as collateral to cover the debt.
Procedure for Lodging a Complaint with Ardent Credit Services
If you feel unfairly treated by Ardent Credit Services, you can raise a complaint with them directly. You can do this through their channels:
| Post | The Compliance Manager, Ardent Credit Services Ltd t/s Debt & Revenue Services, 1st Floor, Moorgate Point, Moorgate Road, Knowsley Industrial Park, Liverpool, L33 7XW |
| Phone | 0151 545 1500 |
| complaints@ardentcredit.co.uk |
If their response is unsatisfactory or absent, you can escalate your complaint to the Financial Conduct Authority (FCA) or Credit Services Association (CSA), regulatory bodies overseeing such issues.
Verifying the Validity of a Debt Claim (and Determining if it’s Yours!)
Before arranging a repayment plan, ensure that the debt is legitimate and yours. This involves checking whether the debt is yours, requesting proof of debt from Ardent Credit Services, and confirming if the debt is Statute Barred. Let us see them in detail.
- Check whether the debt is yours.
Check to see if the debt is indeed yours and not a scam first. Use a reliable credit report agency, like Credit Karma, to check your credit record if you can’t recall the debt. Ardent Credit Services Debt Recovery may have been mistaken if it weren’t.
- Request proof of the debt
Then, write to Ardent and ask them to provide evidence of the debt they are claiming you owe. They will need to send you an original copy of your credit agreement or documentation of the loan in order to accomplish this.
They cannot demand payment until they can show the debt is due, even if they just write back claiming the debt without adding providing concrete proof.
- Check if the debt is Statute Barred.
Is it Statute barred if they have proof you owe the money?
There 3 conditions to be proven to get a Statute-Barred grant via court. They are such;
If these 3 conditions can be proven for sure, Ardent Credit Services will no longer be able to sue you for the debt. They thus have no legal option if you refuse to pay it. You can avoid paying, but your credit history will not be cleared until you pay the debt.
Exploring More Options for Resolving Debts Owed to Ardent Credit Services
Various solutions can help you manage your debts. These include Debt Management Plans (DMP), Individual Voluntary Arrangements (IVA), and even bankruptcy. Consider each option carefully to determine the most suitable route for your situation.
A DMP is a structured repayment plan managed by a licensed debt management company. It allows you to repay your debts at an affordable rate by making a single monthly payment. Remember, Ardent Credit Services must be informed and accept the DMP for it to be effective.
An IVA is a formal agreement between you and your creditors, including Ardent Credit Services. It allows you to repay your debts in a way that you can afford. IVAs are legal arrangements and, as such, offer more protection than a DMP. An insolvency practitioner usually administers IVAs.
Bankruptcy is a last-resort option when other forms of debt resolution have failed. By choosing this method, you can legally write off your debt. But this will create serious issues. You may lose your assets and credit scores. Bankruptcy is a condition that usually lasts for a year.
Tips for Managing Communication with Ardent Credit Services
When dealing with Ardent Credit Services, remember these essential tips:
Remember, the goal of Ardent Credit Services is to recover the money owed to their clients. Open communication and clear understanding of your financial situation can help you work towards a resolution that benefits all parties involved.
Ardent Credit Services Contact Details
| Website: | www.ardentcredit.co.uk |
| Registered Office: | 1st Floor, Moorgate Point, Moorgate Road, Knowsley Industrial Park, Liverpool L33 7XW |
| Telephone: | 0151 545 1500
9am – 5:30pm Monday to Friday |
Why is it Essential to Keep Tabs on Other Debt Collectors?
In an era of rising personal debt, it’s possible to owe money to multiple lenders. Therefore, it’s crucial to monitor all potential debts, not just those related to Ardent Credit Services. You can do this by regularly checking your bank statements, emails, and post for any debt collection correspondences.
Here are a few of the biggest to keep an eye on;
Conclusion
Ardent Credit Services is a legitimate debt collection agency, and ignoring their correspondence can lead to serious consequences. Verify any claimed debt and understand your rights as well as the options available to you for managing and repaying your debt.
Don’t hesitate to seek professional help if you’re feeling overwhelmed.
Key Points
- Ardent Credit Services is a legitimate debt collection company with offices in the UK that works with customers to recover consumer and business debt.
- If you get a letter from them, it signifies that they are pursuing a client’s account to collect an unpaid debt.
- Check your credit history, ask for verification, and see whether the debt is statute-barred to confirm the legitimacy of the debt.
- If you owe the debt, consider your repayment alternatives, such as a Debt Management Plan, Individual Voluntary Arrangement, or Bankruptcy.
- Ardent Credit Services may take legal action, such as County Court Judgements or Attachment of Earnings Orders if you ignore their mailings.
FAQ
Yes, Ardent Credit Services is a legitimate debt collection agency based in the UK. They are authorised and regulated by the Financial Conduct Authority (FCA).
No. It’s not advisable to ignore debt recovery attempts. If you ignore correspondence from a debt collection agency like Ardent Credit Services, it may escalate the matter, which can include court action, and negatively impact your credit score.
As of the knowledge cutoff in September 2021, specific information regarding the ownership of Ardent Credit Services is not provided. For the most current details, please refer directly to Ardent Credit Services or company registries in the UK.
As of the knowledge cutoff in September 2021, specific information regarding the current CEO of Ardent Credit Services is not provided. For the most current details, please refer directly to Ardent Credit Services or company registries in the UK.
Ardent Credit Services is a debt collection agency. They work on behalf of creditors to recover outstanding debts. They communicate with individuals who have been reported as debtors by their clients, aiming to establish a repayment plan or otherwise resolve the debt.
References
Ardent credit services (no date) Ardent Credit Services. Available at: https://ardentcredit.co.uk/ (Accessed: 24 June 2023).
