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You may find yourself not owing anything to Daniels Silverman Debt Collectors. However, brushing them aside could lead to a grave outcome. What if something unexpected looms on the horizon? With Daniels Silverman involved, there’s no telling what could happen next.

 Allow me to guide you through your choices…” 

Warren Marshall
Last updated on 15 September 2023
Fact Checked

Table of Contents

1. Who is Daniels Silverman?
2. What are the next steps when facing Daniels Silverman?
3. What if you don’t owe the money to Daniels Silverman?
4. How to Make Repayments to Daniels Silverman
5. Should You Pay It Back?
6. How to Make Debt Payments to Daniels Silverman
7. What If You Can’t Pay Back Daniels Silverman?
8. Case Study
9. What are my Rights at Daniels Silverman?
10. Tips for Managing Your Finances
11. Tips for Improving Your Credit Rating
12. Staying On Top Of Your Debts
13. Daniels Silverman Contact Details
14. How do I Complain About Daniels Silverman Debt Collectors?
15. Where can I get Professional Advice?
16. Key Points
17. FAQ


Who is Daniels Silverman?

Daniels Silverman, also interchangeably referred to as Daniel Silverman, is a well-established debt collection agency in the United Kingdom. The agency prides itself on its professional and ethical approach to debt recovery. 

As a reputable organisation, they are tasked with recovering outstanding debts on behalf of businesses and other entities. You might have received a letter or call from them concerning a debt they have been assigned to collect. 

Daniels Silverman operates as a debt collection agency, representing various entities such as HMRC, utility providers, mobile phone companies, and catalogues. Their role essentially involves bridging the gap between the creditor and the borrower. 

Daniels Silverman adheres to legal and equitable practices as they are affiliated with the Credit Services Association (CSA). You are responsible for settling the debt if you owe to them.

What are the next steps when facing Daniels Silverman?

After getting a letter or a call from Daniels Silverman, it’s crucial not to ignore the communication. The first step is understanding the debt they’re asking you to pay. Scrutinise the documents and note down the amount of debt and the company Daniels Silverman is representing. 

It’s beneficial to compile a list of all your creditors, which should include Daniels Silverman and the respective debt values. If you spot any discrepancies or believe you’re being wrongfully accused of owing a debt, it’s in your best interest to communicate with them immediately.

Check whether your debts could take Statute-Barred Excuse

“Statute barred” refers to a legal concept where a debt becomes unenforceable in court if your debt fulfils the below three conditions synonymously.

In the UK, a debt can be considered “Statute-Barred” if three main conditions are met:

1. No Payment or Acknowledgment: The debtor has not made any payment towards the debt or acknowledged it in writing for a continuous period of six years.
2. No Court Action: No court judgment has been obtained against the debtor during this six-year period.
3. No Formal Written Agreement: No formal written agreement to pay has been made during the six-year period.

However, it’s important to note that there are instances where the “Statute-Barred” excuse cannot be claimed:

1. Ongoing Contact: If the debtor has been in regular contact with the creditor, even if they haven’t made payments, the debt may not be considered Statute-Barred.
2. Mortgage Debts: Statute-barred rules do not apply to mortgage debts. Even if the conditions are met, the lender can still take action to repossess the property.
3. Court Claims: If the creditor has initiated legal action before the debt becomes Statute-Barred, the court process will continue.
4. Fraudulent Debts: If the debt was incurred through fraud, there’s no time limit for the creditor to take legal action.
5. Debts Outside England and Wales: Different rules apply to debts incurred in Scotland or Northern Ireland.

Remember, while the Statute-Barred rule can relieve some older debts, it’s crucial to seek legal advice if you’re uncertain about your situation.

What if you don’t owe the money to Daniels Silverman?

In some instances, there might be errors in debt collection. You’re not powerless if you genuinely believe Daniels Silverman or Daniel Silverman has wrongfully identified you as a debtor.

You should make a point of contacting them immediately to dispute the debt. Request debt evidence, such as a copy of the original credit agreement or an account statement. You can file a formal complaint if you are dissatisfied with the evidence or if there is none.

How to Make Repayments to Daniels Silverman

Making repayments to Daniels Silverman or Daniel Silverman is made easy through several channels. The most straightforward method is a direct bank transfer to their account. However, you can also make payments using a debit card. This can be done via their website. 

It’s worth noting that Daniels Silverman is usually open to agreeing on a reasonable repayment plan. This is when you can’t afford to pay the debt in a lump sum. Making the payment is essential as it can protect your credit rating even if you are able to afford only a minimum payment.

Should You Pay It Back?

Whether to pay back the debt owed to Daniel Silverman or Daniels Silverman is a common question many debtors grapple with. The answer is yes. Paying back your debt is daunting. It can help you avoid further complications. 

It also lifts a significant burden off your shoulders and can help improve your credit rating. However, if the repayment means sacrificing essentials like rent, food, or utility bills, it might be time to consult a debt advisor for professional help.

How to Make Debt Payments to Daniels Silverman

Debt repayment might seem like a mountainous task, but with proper planning, it becomes manageable. 

First, contact Daniels Silverman and agree on a feasible payment plan by giving them enough reasoning regarding your current financial status. 

Yes, clearing the debt in one go is always preferable. Similarly, making small regular payments is a good strategy if a lump-sum payment isn’t feasible. The key here is consistency.

What If You Can’t Pay Back Daniels Silverman?

At times, unexpected circumstances can lead to financial hardship. There might be situations if you find yourself in a position where you cannot pay Daniels Silverman. Fortunately, in this situation, you are not alone. 

There are various other debt solutions that can help you in the UK. Here, we’ll dive into these options and introduce you to some charities that offer free advisory services.

Exploring Debt Solutions

There are several debt remedies accessible to you if you are in debt. These options might assist you in reducing your debt. Then, you can make more affordable payments or get part or all of your debt written off.

Here are some of the most common debt solutions:

Debt Management Plan (DMP)

A Debt Management Plan (DMP) is an informal debt solution that consolidates your debts into a single monthly payment. But what makes it stand out? You’re not required to stick with it for a minimum number of payments because it’s not legally binding.

Individual Voluntary Arrangement (IVA)

In contrast, an Individual Voluntary Arrangement (IVA) is a formal agreement. It’s a contract between you and Daniels Silverman or any other creditors you may owe. 

Under an IVA, you agree to pay a monthly fixed sum, which is distributed amongst your debts. Meanwhile, your creditors agree not to contact you during your IVA. Typically, IVAs last between 5 to 6 years, and any outstanding debt is cleared at the end of this period.

Are you wondering if an IVA is the right solution for you? An IVA may not be suitable for everyone. It requires you to owe several thousand pounds to multiple creditors and have some disposable income every month.

Trust Deed

For those living in Scotland, there are other options than IVAs. However, you can opt for a Trust Deed. It functions like an IVA – you distribute an agreed monthly payment amongst your creditors, and they can’t contact you. Any remaining debt at the end of your Trust Deed term is wiped clean.

Debt Relief Order (DRO)

A Debt Relief Order (DRO) is specifically designed for those facing severe financial hardship with no assets and minimal income. Under a DRO, you don’t have to make payments for 12 months while your creditors freeze your interest and stop all contact. 

Your unsecured debts could be written off if your finances don’t improve after this year.


You may have to declare bankruptcy if you have insurmountable debts. They might have no realistic way of paying them. While bankruptcy may carry a stigma, it can offer a fresh financial start. But remember, it’s a serious financial status that shouldn’t be taken lightly.


Sequestration is the Scottish equivalent of bankruptcy. You may qualify for a minimal asset process bankruptcy (MAP) if you have limited income and no valuable assets. A MAP is a simplified and cheaper version of sequestration that might be worth considering.

That’s a lot to take in, isn’t it? So, what happens next? Seeking expert assistance is always a good place to start. Remember those charities we talked about earlier? It’s time to meet a couple of them.

Your unique circumstances will determine the optimal debt option for you. It is essential to seek expert assistance in order to find the best answer for you.

Here are some more things to consider while looking at debt solutions:
  • The effect on your credit score: Debt solutions might negatively influence your credit score. This may make future credit applications more complex.
  • The solution’s cost: Some debt remedies, such as IVAs and trust deeds, can be costly.
  • The impact on your credit rating: Debt solutions can have a negative impact on your credit rating. This can make it more difficult to get credit in the future.
  • The cost of the solution: Some debt solutions, such as IVAs and trust deeds, can be expensive. You should factor in the cost of the solution when making your decision.
  • The time commitment: Some debt solutions, such as DMPs and IVAs, can be time-consuming. It would be preferable if you were willing to commit to the solution.

If you are battling with debt, keep in mind the fact that you aren’t struggling alone. There have been many others in your circumstances who have found aid. Please do not be afraid to ask for help.

Case Study

Consider a debtor named James who found himself with multiple debts, including one from Daniels Silverman. Overwhelmed, he first chose to organise his debts, making a detailed list of all his creditors, the amount owed, and their contact details

He then contacted each creditor, including Daniels Silverman, explaining his financial situation. He disputed any discrepancies and agreed on a repayment plan that suited his current financial circumstances. 

James’s story is a tale of patience, perseverance, and proper financial planning that helped him clear his debts step by step.

What are my Rights at Daniels Silverman?

As a debtor, you have rights protected under the Financial Conduct Authority’s guidelines. Debt collectors, including Daniels Silverman, are not allowed to use intimidating behaviour, exert undue pressure, or mislead you. 

  • They can’t access your property without your permission, 
  • And they can’t discuss your debt with anyone else without your consent. 
  • They cannot enter and seize your belongings unless they are bailiffs with a warrant in hand.

If you feel Daniels Silverman is violating these rights, you have the right to complain to the Financial Ombudsman Service (FOS).

Tips for Managing Your Finances

Effective financial management is key to navigating the world of debt collection. Start by creating a detailed list of your debts and prioritise paying them off. Try to make minimum payments if you can, and stick to your payment plan. 

Monitor your credit score and report regularly – you can use credit agencies like Experian for this. Keep a tight rein on your budget, cutting unnecessary expenses and boosting income where possible.

Tips for Improving Your Credit Rating

Improving your credit rating is crucial to your financial health. Pay your bills on time, avoid multiple credit applications in a short time, and actively reduce your debt. Registering on the electoral roll can also positively impact your credit score.

  • Pay bills on time: On-time bill payments are the most significant component in calculating your credit score. Make it a habit to pay all of your payments on time and in full every month.
  • No extra applications: Avoid submitting many applications for credit in a short period of time: Applying for new credit might damage your credit score. Spread out your credit applications as much as you can.
  • Reduce your debt actively:  The sum of debt you carry and the amount you use influences your credit score. Pay off your debts as soon as feasible to enhance your credit score.
  • Sign up for the electoral roll: Registering to vote can assist in validating your identification and residence, improving your credit score.
  • Request a duplicate of your credit report and check it for mistakes. If you identify any inaccuracies, please report them immediately.
  • Maintain a low credit utilisation: The amount of credit you are utilising split by the overall amount of credit available is your credit utilisation ratio. Aim to keep your credit utilisation ratio below 30%.
  • Open and maintain a variety of credit accounts:  Having a variety of credit accounts can help to improve your credit score.
  • Be patient: Improving your credit score takes time and effort. Don’t be disheartened if you don’t notice instant benefits. Simply keep working at it. You will ultimately see results.

Staying On Top Of Your Debts

With the complexities of debt collection, staying informed, organised, and calm is essential. 

Maintain an up-to-date list of all your debts. This list should include who you owe, how much you owe, and who is contacting you. Regular interaction with your lenders is also necessary to keep them informed. 

This can help you find out if there are any alterations in your financial situation.

Keep an eye out for your credit reports for the biggest debt collection companies like Lowell, Cabot, and PRA Group, as they tend to purchase most of the bad debts from other lenders in the UK. 

Daniels Silverman Contact Details

Company Address: Daniels Silverman Limited Pickerings Road, Halebank Industrial Estate Widnes, Cheshire, WA8 8XW
Phone Number: 0800 953 3632

9.00 AM to 5:00 PM  (Monday to Friday), excluding bank holidays

Website: www.danielssilverman.co.uk
Email: info@danielssilverman.co.uk

How do I Complain About Daniels Silverman Debt Collectors?

You can lodge a complaint directly with Daniels Silverman’s head office, giving them a chance to solve the issue internally if you believe Daniels Silverman has acted wrong. They are not allowed to breach the Financial Conduct Authority guidelines. 

As a Secondary option, You can escalate your complaint to the Financial Ombudsman Service (FOS) if you’re dissatisfied with their response. Also, if they don’t respond within eight weeks.

Where can I get Professional Advice?

Don’t worry. You’re not alone in navigating these seas. Several organisations in the UK provide free debt advice. They also help you find the best financial solution for your specific circumstances. Here are a couple of such examples:

  • StepChange
  • National Debtline
  • Citizens Advice Bureau
  • Debt Advice Foundation

Their consultants may thoroughly examine your finances. They also aid you in determining the best financial solution for you.

Key Points

  • Daniels Silverman Debt Collectors is a legitimate debt collection agency working on behalf of various organisations in the UK, including HM Revenue & Customs, utility providers, and mobile phone companies.
  • Many people in the UK, struggling with unmanageable debts, could legally write off a portion of their debt.
  • If you receive a debt letter from Daniels Silverman, the first course of action is to verify if the debt belongs to you.
  • In case of discrepancy, request them to prove the debt via a letter titled “proof of the debt”.
  • If the debt is valid, the next step is establishing a realistic repayment plan with Daniels Silverman and sticking to it.
  • Sticking to payments timely will help avoid further problems with your credit rating. Also, it prevents the situation from escalating.
  • Seeking professional advice can be highly beneficial when the complexity of debt management keeps increasing.
  • Different debt solutions, such as IVA or Trust Deed, might be applicable depending on your financial situation.
  • However, it’s crucial to be aware that these debt solutions can impact your credit rating for several years.
  • It’s important to know your rights and not feel pressured into making immediate payments when dealing with Daniels Silverman.
  • Make more informed decisions after taking the time to explore your options.


Will Daniels Silverman be able to access my Property?

No, Daniels Silverman or any debt collection agency does not have any rights to access your Property unless their agents are bailiffs with a warrant in hand. 

Debt collection agencies collect debt on behalf of companies that you owe a debt to, but they cannot forcefully enter your Property. Then, they are breaking the law. It would be best to consider reporting the threatening behaviour to the police.

Can Daniels Silverman Discuss my Debt with a Family Member?

No, Daniels Silverman or any other debt collection agency should not discuss your debt with a family member or any other third party. They cannot disclose details about your debt. 

But they can contact a family member to locate you. Your debt is confidential and should only be discussed with you. They can discuss it with someone else unless you give them permission.

What should I do if I receive a debt letter from Daniels Silverman?

The first step is to verify if the debt is yours if you receive a debt letter from Daniels Silverman. Then,

1. If the debt doesn’t belong to you, you can request proof from Daniels Silverman.
2. If the debt is yours, you should take steps to repay it or consider debt solutions if you cannot repay.

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