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It is not wise to ignore a debt letter from Central Debt Recovery. Because ignoring their reach out can escalate to a situation where you might find hardships in resolving it. 

Yes, there is a possibility for you to end up not paying a penny to them. But it’s just a possibility. You cannot make informative decisions relying on possibilities. Therefore let us guide you to learn more about Central Debt Recovery and the available options to overcome this debt issue. 

Warren Marshall
Last updated on 04 August 2023
Fact Checked

Table of Contents

1. Who are Central Debt Recovery?
2. What are the Reasons for Contact by Central Debt Recovery?
3. How to clarify whether you owe Central Debt Recovery: Is this your debt?
4. What if You Can’t Pay Central Debt Recovery?
5. What will happen if you avoid Paying Central Debt Recovery intentionally?
6. How to Deal with Debt Collectors
7. What to Expect from Central Debt Recovery?
8. Why are Central Debt Recovery Continuing to Contact You?
9. Threatening Behaviour
10. Keeping Calm Under Pressure
11. Free Support with Your Debt
12. When You Can’t Afford to Pay it Back
13. What Else You Need to Know
14. Central Debt Recovery Unit Contact Details:
15. Other Debt Collectors
16. Key points
17. FAQ


Who are Central Debt Recovery?

Central Debt Recovery is a prominent debt collection company based in the UK. They are known for purchasing bad or default debt from other businesses. Plus, they specialise in providing debt recovering and managing services for both small and large organisations. 

They’ve built a reputation over the years in the debt collection industry for their robust debt management services. Their presence can be intimidating, but understanding their operations can provide a clearer perspective. 

What are the Reasons for Contact by Central Debt Recovery?

There can be mainly three reasons for Central Debt Recovery to get in touch with you.

1. You have debts, and your creditor has hired Central Debt Recovery to chase after you to recover the debt on behalf of them.
2. The ownership of your debts has been sold to them by your original creditor because they are tired of chasing after you to ask to settle the debt.
3. Or simply, it’s a mistake. Mistakes can happen due to various reasons. We all are humans. Thus get in touch with Central Debt Recovery and tell them they have mistaken you for someone else.

Regarding the first two reasons, sending a letter notifying you about the debt transition will be their initial step. From there onwards, the torturing begins. They will use all types of communication methods to get in touch with you to discuss about the debt if you ignore the first letter.

Their usual contact methods include,

1. Constant phone calls,
2. Emails
3. Letters
4. Home visits in extreme situations where they find difficulties in reaching out to you using other general contact methods.

This debt that the letter referred to might be unfamiliar or long forgotten. But remember, ignoring these calls could lead to severe consequences. Thus it is crucial to deal with them properly. Or else you will not see an end to this uncomfortable situation soon.

How to clarify whether you owe Central Debt Recovery: Is this your debt?

There are a few steps you can follow to check before making any payments whether you owe Central Debt Recovery for sure.

1. Check back all of the credit history documents to compare with the debt letter you receive from Central Debt Recovery to find you really owe them.
2. Next, check whether the debts can be sorted under the statute-barred category. You are not needed to pay if your debts are true and fall under this category. We have discussed further about this excuse under a separate heading below.
3. You should write a letter titled “Proove the debt” to the Central Debt agency requesting them to show you the proof via written document. This has to be done only if the debts are true but cannot sort under the statute-barred category.
4. Plus, Remember to keep a photocopy of the request letter you send to them as well. It’s because you could show that copy to the judge if things get escalate to a court matter without getting a reply from them. (They are bound by law to reply to you with proof)
5. Their reply should at least include a copy of an original credit agreement as evidence you had with your original creditor.

You can refrain from making payments until the situation becomes clear if Central Debt Recovery has not replied to you with a letter containing provable proof.

What if You Can’t Pay Central Debt Recovery?

Share your situation honestly with Central Debt Recovery if you are facing financial hardships and unable to repay because of that. They might allow a pause or consider a lesser payment until your financial condition improves. Maintaining open communication is the key to making this work.

But keep in mind, You cannot avoid paying Central Debt Recovery intentionally if the debts are true. It is just a matter of time before you will end up paying them. Let us talk about this next.

What will happen if you avoid Paying Central Debt Recovery intentionally?

Central Debt Recovery will keep taking action to recover their debt. Below are some of the general steps they might follow when trying to recover their debt.

1. Central Debt Recovery will send you one last letter titled Letter Before Action (LBA). This letter notifies you that they gonna take legal action against you if you do not get in touch with them or settle the debt before the due date mentioned in the letter.
2. They will take you to court to take County Court Judgement (CCJ) against you if you ignore their LBA letter passing the due date.
3. The court will surely issue a CCJ against you if the debt is proven true. The CCJ will make you legally responsible for the debt. And it will last in your credit history for six years if you do not settle the debt before passing 30 days of receiving CCJ. This will negatively impact your credit history and will make difficulties in getting new loans and credit cards in the future.
4. The Central Debt Recovery will go back again to court to take a warrant or writ of conduct against you to use enforcement agents (bailiffs) to visit your home and seize your belongings if you ignore the CCJ conjugation.
5. The bailiffs will store your goods in a warehouse and eventually sell them in an auction to recover total debt and bailiff charges.

As you can see, it’s not a flowery road you go through easily if you keep ignoring their reach outs. You have plenty of time in between these procedures. Therefore we strongly suggest you find a solution to solve this issue before things get escalate to this extent. 

How to Deal with Debt Collectors

Facing debt collectors like Central Debt Recovery can be stressful. It’s essential to stay composed and manage your debts logically. Being aware of your rights when dealing with debt companies can be a lifesaver. Knowing these rights will prevent undue stress and anxiety.

Below are some of the general steps you could follow when dealing with Central Debt Recovery.

1. Be calm
2. Verify your debt and check if the debt can be sorted under the statute-barred category.
  • For that, use the methodology we discuss early in this article.
3. Settle the debt can get done with it if you have extra money and the debts are true. 
  • This will stop all Central Debt Recovery from reaching out to you ever again.
  • Remember to take a written agreement before making any payment to them.
4. Discuss and get into an agreement for a payment plan. More importantly, try to stick to the payment plan.
  • Keep in mind to sign an agreement for the payment plan you agree with them before making any payments.
5. Seek legal advice if you have a hard time dealing with these debt collection agencies alone.
  • We have mentioned some institutions where you could get free debt advice later part of this article.
6. There are other debt solutions available inside the UK if you are unable to get into an agreement with Central Debt Recovery.
  • We have discussed further about debt solutions using a separate subheading in the later part of this article. So keep reading
7. Maintain Records of All Interactions.
  • These records will come in handy if things get escalate to court action.
8. Be aware of Central Debt Recovery to check whether they follow FCA guidelines while doing debt collection operations.

Lets us discuss what can Central Debt Recovery do to recover debts and what it cannot do next.

What to Expect from Central Debt Recovery?

The Office for Fair Trading (OFT) has laid guidelines for debt collection companies to ensure debtors get treated fairly and respectfully. Since the date where The Office for Fair Trading dissolved, The Financial Conduct Authority (FCA) of the UK has taken the authority to monitor debt companies to find whether they follow these guidelines.

Below are some of the general guidelines that Central Debt Recovery needs to follow when dealing with debtors like you.

1. The Central Debt Recovery is not allowed to call you at odd times every day.
2. They are not allowed to get in touch with you while you are working.
3. Discussing your debts with a third party is not allowed.
4. They are not allowed to harass or threaten you while doing any form of communication.
5. You can request them via letter stating that you prefer to continue the communication only in written form, such as using mail. They are bound by law to honour that request.
6. They are not allowed to enter your home and seize your belongings unless they are bailiffs with a warrant in hand. You can request them to leave and even call the police on them if they do not comply with your request.

You can make a complaint to the head office of Central Debt Recovery with provable proof in hand if these agents violate one of the above guidelines. By doing so, you are giving them a chance to resolve it internally. 

Next, you can make a complaint to the Financial Ombudsmen Service (FOS) of the UK if nothing changes from the Central Debt Recovery end.

Why are Central Debt Recovery Continuing to Contact You?

Many people ask themselves why Central Debt Recovery keeps reaching out to them persistently. The simple answer lies in their business model’s underlying structure. Let’s delve deeper to comprehend this better.

The Incentives offered by Central Debt Recovery

Central Debt Recovery operates on a principle that rewards the recovery of debt. Therefore, each person working with them has a monetary incentive tied to the amount of debt they collect. This gives them a solid reason to be persistent in contacting those who owe money. 

Think about it this way. Wouldn’t you be eager, too, if your paycheck depended on it?

The debt-collecting agents at Central Debt Recovery are doing just their job

It’s important to remember that debt-collecting agents that work for Central Debt Recovery are simply doing their job. And their job is to collect debt from those who owe it. 

This might create some tension. But it’s part of the financial world’s cycle. Therefore understanding these procedures could help you see their repeated calls or emails from a different perspective. But what happens when things cross a line?

Crossing the Line: When Persistence Turns into Harassment

There are strict guidelines about how much contact is too much. These agents should not harass you while doing their job. This harassment includes spamming a number of phone calls, emails, letters, or even text messages.

The agents at Central Debt Recovery might be violating FCA guidelines if you experience such treatment from them.

As we discussed before, you have the right to tell them that you are aware of these guidelines and will report any violations to the Financial Ombudsman Service (FOS). This threat of accountability often proves effective in ensuring they maintain professional behaviour.

What You Can Do

Here’s an interesting fact: communication is a two-way street. You too can take the initiative as much as Central Debt Recovery can reach out to you. Plus, you could reduce the number of times they contact you if you are proactive and arrange a repayment plan. Sometimes you might get the chance to take the lead in negotiating the terms and find a solution that fits your financial condition.

Threatening Behaviour

Threats from debt collection agencies are unacceptable. Keep in mind that the law supports you if you experience any such behaviour from Central Debt Recovery. And you can report them to the appropriate authorities and even can call the police on them if needed.

Keeping Calm Under Pressure

Maintaining a calm disposition is essential when dealing with debt issues. Remember, it can be resolved no matter the size of your debt. Do not let debt collectors put you under undue pressure.

Free Support with Your Debt

Several debt management companies provide free services. They can help you understand and manage your debts efficiently. Exploring these options might provide a lifeline in difficult times.

Below are some of the famous charity debt institutes that work in the UK that focus on helping individuals like you.

1. National Debtline
2. Citizens Advice
3. PayPlan
4. Community Money Advice
5. StepChange Debt Charity
6. MoneyPlus Advice
7. Money Wellness
8. Debt Advice Foundation

When You Can’t Afford to Pay it Back

If repayment seems impossible, there are famous debt solutions available in the UK in addition to get agreeing to use a payment plan with Central Debt Recovery. But you have to fulfil certain unique conditions to get acceptance of each of those solutions.

We have separate articles explaining each of these options in deep. Therefore read them out to find what’s best for you.

What Else You Need to Know

FCA guidelines and regulations mainly govern Debt collection agencies. Therefore you have the right to report them to the Financial Ombudsman if you’re facing undue pressure. Stay aware of your rights.

Central Debt Recovery Unit Contact Details:

Company Name:  Metropolitan Collection Services Ltd
Other Names:  Central Debt Recovery Unit, Payment Services Bureau
Address: PO Box 5338, Coventry District Service Centre

Binley Business Park, Harry Weston Road, Coventry CV3 9FR

Contact Number:  0345 609 0545
Fax: 0121 4552997
Number they call from 08456031256

Other Debt Collectors

Besides Central Debt Recovery, numerous other debt collectors operate in the UK. Be aware of companies such as PRA Group, Lowell, and Cabot Financial. Its because they are known for purchasing most of the defaulted or bad debts from creditors inside the UK.

As you can see, regularly reviewing your credit report and bank statements will help identify any overlooked debt collectors.

Key points

  • The Central Debt Recovery Unit, a registered debt collection agency in the UK, specialises in purchasing debts from various organisations while also offering debt management solutions. 
  • It’s important to note that many individuals in the UK might have the option to legally eliminate a portion of their outstanding debts.
  • It’s advisable to confirm the validity of the debt associated with your name if you find yourself in contact with them. 
  • Additionally, it’s worth contemplating the idea of seeking professional guidance regarding potential strategies for relieving yourself of some of the burdensome debt you have piled up.
  • It’s crucial to keep in mind your rights throughout this process. Debt collectors are obligated to treat you with fairness, provide transparent and accurate information, and refrain from adopting aggressive tactics.
  • You have the right to file a complaint to the Financial Ombudsmen Service (FOS) if they violate any of FCA guidelines.


Who is Central Recovery Group?

Central Debt Recovery Group is a debt collection agency registered in the UK. They purchase debts from organisations and provide debt management services. It’s worth noting that many people in the UK could legally write off a portion of their debt through their services.

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