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You might not be obligated to settle the debts with the Face to Face Debt Collection Agency. However, overlooking their attempts at communication could lead to intensified enforcement actions.

So, what are the potential repercussions of ignoring face-to-face debt collection attempts? Allow me to guide you through your available options…

Sanjay Patel
Last updated on 4 October 2023
Fact Checked

Table of Contents

1. Who Are Face to Face Debt Collection?
2. Who Does Face to Face Collect Debt for?
3. Face to Face Debt Collection Agency Debt Letters
4. Ignoring Face to Face Debt Letters
5. How to Halt Those Face to Face Debt Calls
6. Will Face to Face Workers Come to My Home?
7. Ask Face to Face Debt Agency to Provide Proof!
8. When You Never Have to Pay Face to Face Debt Agency
9. Keep Up To Date With Your Debts
10. Face to Face Debt Collection Agency Contact Information
11. Face to Face Debt Collection Agency Complaint
12. Where Can I Get Professional Advice?
13. Key Points:
14. FAQ


Who Are Face to Face Debt Collection?

Face to Face Debt Collection, also known as Face2Face Debt Collection Agency, is a reputable agency based in the UK, operational since 2006. They are renowned for their multifaceted services, including debt recovery and field visit services, ensuring face-to-face contact.

Moreover, their approach is comprehensive, aiming to facilitate various companies in recovering their outstanding debts. They chase debts and offer many services like document exchange and financial means testing, making them versatile in debt collection.

Face to Face Debt Collection and Debtors

Who Does Face to Face Collect Debt for?

Face to Face Debt Collection or Face2Face Recovery is known for providing debt collection services for various businesses, including financial institutions, banks, and utility providers. Also, there are enough online references that show they have collected debts on behalf of BT Group in the UK.

Also, their involvement is integral in maintaining various companies’ financial equilibrium and operational smoothness, ensuring the outstanding amounts are duly recovered.

Furthermore, I can give you a shortlist that includes who they collaborate with.

1. Mortgage and Secured Loan Brokers
2. Debt Management Companies
3. IVA Companies
4. Leasing Companies
5. Insurance Companies
6. Also, Solicitors
7. Financial Claim Companies

Now, you can clearly understand why they are trying to reach you. Let’s move further.

Face to Face Debt Collection Agency Debt Letters

Receiving a debt letter from Face to Face Debt Collection is indeed intimidating. These letters are the harbingers of potential legal actions meticulously crafted to elicit immediate payments.

Following this, a letter from a debt collecting agency can be described as a ‘Letter Before Action (LBA).‘ Because when they enter your debt issue, the first step they take is trying to contact you through a letter.

So, what can be included in such a letter? Let’s take a look.

This should include certain key pieces of information:

1. Debtor’s Information
2. Notice of Communication Purpose
3. The amount of the debt owed
4. Also, any additional charges
5. The original creditor’s information
6. The Debt Collector’s Information
7. Verification Rights
8. Repayment procedures
9. Deadline for Action
10. Consequences for ignoring the payments

Here, Consequences for ignoring the payments mainly entail taking legal measures. These debt notices are crafted to intimidate you into immediate payment.

However, understanding your rights and exploring available options before making any payments is crucial. It’s paramount to delve deep into the intricacies of the debt and assess the legitimacy and the urgency before making any financial commitments.

Don’t worry. We will guide you on alternative actions to consider before resorting to using your debit card. This guidance might potentially prevent you from needing to make any payments to the Face to Face Debt Collection Agency.

Ignoring Face to Face Debt Letters

Ignoring the debt letters from Face to Face can have far-reaching and severe repercussions. While some threats lack legal backing, consistent ignorance can lead to legitimate and enforceable legal actions.

Moreover, the consequences below will escalate over time and negatively impact your financial and legal situation.

  • Continued Collection Attempts from debt collectors will make life more difficult.
  • This can significantly lower your credit score
  • Also, this makes it harder to obtain credit in the future
  • Over time, they will add additional fees, interest, and penalties to make the total amount worse
  • In addition, your action will limit your ability to negotiate with the debt collector for a settlements
  • Also, some debt collectors might move into more Harassment to collect the outstanding debts
  • Finally, they will involve legal actions to make you settle the debt legally.

Therefore, addressing these letters without delay is crucial, even if immediate full payment is not viable. Engaging and communicating is essential to avoid escalating legal troubles and explore possible resolutions.

Ignoring Face to Face Debt Letters

How to Halt Those Face to Face Debt Calls

Constant calls from debt collection agencies can be overwhelming and stressful. By clearly communicating your preferences to Face to Face, you can gain control over the call frequencies and ensure that the communication remains respectful and non-harassing.

Establishing clear boundaries is essential in maintaining your sanity and ensuring the communication is constructive and not intrusive.

For that, you can provide your preferred communication methods to them, and they are obligated to adhere to your choices. Failure to do so may result in them being charged with harassment. And it could potentially lead to a complaint filed with the Financial Ombudsman Service (FOS), which could pose significant repercussions for them.

Will Face to Face Workers Come to My Home?

Indeed, the field workers (debt collecting agents) from Face to Face may visit your home for various reasons, including negotiating repayment plans or requesting payment. However, they cannot enter your home without your explicit permission. Any attempt to do so is a blatant violation of your rights.

Let’s discuss this further. Face to Face debt collectors are not bailiffs. A bailiff is an entity with full power to enter your private properties only if they have a warrant or writ of conduct notice issued by the court in hand.

Otherwise, you have the authority to ask them to leave your property if they fail to show any legal documentation that has allowed them to enter your premises.

Face to Face debt collectors act as ‘field workers‘, and they only reach your property to discuss repayment plans. But what if they enter your property illegally? You have the right to complain about that situation. You can even call the police on them if they ignore your request to leave your premises.

They are in violation of the law if a field worker from a Face to Face Debt Collection Agency engages in any of the following actions.

1. Trying to make you convinced that they possess the authority to enter your residence.
2. Claiming that they can or will seize your belongings if you fail to make payment.
3. Continuously visiting your home without proper justification.
4. Persistently declining to vacate your premises.

Being well-informed about your rights during such interactions is crucial in maintaining your composure and ensuring the interaction remains lawful and respectful.

Ask Face to Face Debt Agency to Provide Proof!

It’s crucial to demand proof of the debt before committing to any payments. Face to Face Debt Agency is obligated to validate the debt, ensuring a transparent and lawful process.

In this scenario, you can always request a Written Verification of the Debt. On this written verification, some important information should be included from the debt collector.

1. The original creditor
2. Debtor Information
3. The amount owed
4. The current status of the debt
5. Any relevant dates of payments
6. Any additional charges
7. The interest on the debt
8. Proof of Assignment by debt collector
9. Notification of Rights
10. Supporting documentation

The best way to send this request is via certified mail with a return receipt requested because it will be your proof that you will send the request on time. And remember to keep a copy of the request letter as proof to show if things escalate to a court case without getting a reply from them.

The most critical step in this process is the time when you carefully review the information. You can contact a consumer rights advisor or a debt advice organisation for guidance if you need clarification on the information provided.

In brief, this step is a cornerstone in avoiding unwarranted payments and potential disputes, ensuring that legitimate and verifiable claims back every financial commitment.

Ask Face to Face Debt Agency to Provide Proof

You Have Face to Face Debt Solutions!

It’s crucial not to disregard the debt matter if the Face to Face Debt Collection Agency proves you owe money. Instead, take the time to evaluate your other alternative debt solution options and strategies, and they must grant you the necessary time for this assessment.

One of the most straightforward approaches for individuals unable to pay the full amount is to negotiate a customised repayment plan with the Face to Face Debt Collection Agency.

Sometimes, you may find hardship in agreeing to unaffordable payment plans suggested by Face to Face Debt Collection Agency. In those situations, it’s better to apply for a debt solution to resolve your debt issue effectively. There are a number of other alternative debt solutions available in the UK.

But keep in mind you need to fulfil certain unique conditions in each of these debt solutions in order to get acceptance. Choosing the right debt solution will help you in solving your debt issue, while choosing the wrong will make your financial situation worsen.

Therefore, it’s better to take debt advice from a professional debt advisor if you find hardship in selecting a debt solution alone.

Here are some key debt solutions available in the UK:

1. Debt Management Plan (DMP): An informal solution enabling you to make single monthly payments toward your debts without a binding commitment.
2. Individual Voluntary Arrangement (IVA): A formal agreement with creditors where you make regular payments, and the remaining debt is typically written off after 5 or 6 years.
3. Trust Deed: A Scottish alternative to the IVA with similar terms, including monthly payments and potential debt write-off.
4. Debt Relief Order (DRO): Suited for those with financial hardship. It involves a year of no payments while interest is frozen. Potentially, it can lead to debt write-off.
5. Bankruptcy: A serious option when you have no realistic means to repay debts. It offers a fresh start but with significant implications.
6. Sequestration: Sequestration is essentially the Scottish equivalent of bankruptcy.

1. You might be eligible to pursue a Minimal Asset Process bankruptcy (MAP) if your income is limited and you lack valuable assets.
2. This MAP option is characterised by its swiftness, cost-effectiveness, and simplified process, making it a practical choice worth exploring.

Feel free to fill out our online form by clicking here if you want personal help from our Money Advisor Team based on your current financial standing.

Seeking Professional Guidance

When You Never Have to Pay Face to Face Debt Agency

Face to Face Debt Collection Agency (Normerly referred to as Face2Face Recovery) may pursue old debts, and it’s crucial to be aware of the UK’s Statute-Barred debts.

You must satisfy three key conditions mentioned below simultaneously in order to receive a Statute-Barred exemption from the court.

1. Your debts must be older than 6 years from the date of your last payment towards them.
2. You should not have had any communication with your creditor within that six-year period mentioned in the first condition.
3. You should not have received a court order, such as a County Court Judgment (CCJ), against your debt within that six-year period mentioned in the first condition.

Your debt becomes Statute-Barred when all three of these conditions are met. This means that your debt cannot be enforced legally even though the debt still technically exists. In other words, you can choose to ignore paying the debt.

However, it’s important to note that while your debts may become legally unenforceable by the court, your credit history will not automatically clear the debt. Receiving a Statute-Barred exemption for your debt can have a negative impact on your credit history. As a result, you may face difficulties in obtaining new loans and credit cards in the future.

It’s worth mentioning that not all debts become Statute-Barred. HMRC debts, school loans and debts with a County Court Judgment (CCJ) remain enforceable for extended periods (lasts decades enforceable).

If you are uncertain about the status of your debt, it is advisable to seek debt advice from a qualified debt advisor. These advisors can evaluate your debt, determine its status, and provide guidance on the appropriate actions to take.

Keep Up To Date With Your Debts

Regularly monitoring your debts is of utmost importance. The ownership and management of obligations can change between agencies, making it imperative to stay abreast of any transitions in debt ownership.

Moreover, Regular vigilance and consistent checking of your communications can aid in keeping track of these changes and ensuring that you are always well-informed.

Here are tips to help you regularly monitor your debts:

  • Make a comprehensive list of all your debts by including all the necessary information.
  • Set Up a Tracking System like using a spreadsheet or any debt tracking tool
  • Create a budget that provides for your income and expenses
  • Monitor your credit report regularly
  • Identify high-interest debts and prioritise them
  • Seek Professional guidance, etc.

The other important note is that there can be situations in which your debt collector will sell the debt to another agency. The most applicable example is PRA Group Inc. debt collectors sold all their debt cases to Moorcroft Debt Recovery.

Therefore, always be alert about who your debt collection agency is because it is really easy to mislead by their actions.

Face to Face Debt Collection Agency Contact Information

Phone 0208 0806434
Email admin@face2faceltd.co.uk
Post Face To Face Document Services Ltd,
Unit 1 Castle Court 2, Castlegate Way,
Dudley, West Midlands, DY1 4RH
Website http://www.face2faceltd.co.uk/

Face to Face Debt Collection Agency Complaint

You have the option to file a complaint if you believe that the Face to Face Debt Collection Agency has acted unreasonably or displayed inappropriate behaviour. Additionally, you can lodge a complaint if you suspect that they have violated any of the guidelines set by the Financial Conduct Authority (FCA).

Initially, it is advisable to address your complaint directly with Face to Face, giving them the opportunity to resolve the issue internally. If you feel that your complaint hasn’t been taken seriously or adequately addressed, you can escalate the matter.

If you need to file a secondary complaint, you can turn to the Financial Ombudsman Service (FOS). They will conduct an investigation, and if your complaint is substantiated, Face to Face may face penalties, and you could potentially receive compensation.

Face to Face Debt Collection Agency Complaint

Where Can I Get Professional Advice?

Turning to reputable debt charities like StepChange, National Debtline, and Citizens Advice can provide invaluable insights and practical solutions for navigating debts and financial challenges.

These organisations offer a wealth of knowledge and support, guiding you through debt management and resolution complexities. Some of these debt charity organisations are as follows.

1. National Debtline
2. Citizens Advice
3. Debt Advice Foundation
4. StepChange

Key Points:

  • Face to Face Debt Collection Agency is a well-established, UK-based company specialising in collecting debts and offering field visit services, ensuring Face to face contact with debtors.
  • Numerous individuals in the UK have the legal right to write off some of their debt, relieving those struggling with financial burdens.
  • Receiving a debt letter from the Face to Face Debt Collection Agency necessitates immediate attention. Ignoring it is not advisable. Recipients should seek proof of the debt before making any payments.
  • For those finding it challenging to pay the full amount, exploring various debt solutions such as repayment plans or an Individual Voluntary Arrangement (IVA) is crucial. These solutions can offer a structured and manageable way to settle debts.
  • Debts at least six years old without a County Court Judgement (CCJ) may not require payment due to them being sorted under Statute-Barred debt, offering a legal respite to individuals with old debts.
  • If any mistreatment occurs during interactions with the agency, filing a complaint directly is essential. If unresolved, complaints can be escalated to the Financial Ombudsman Service for further investigation and resolution.
  • Seeking professional advice from debt charities can provide clarity and direction in choosing the right solution tailored to individual financial circumstances, ensuring informed and effective decision-making in dealing with Face to face debt collection.
  • Maintaining clear and open communication with the Face to Face Debt Collection Agency is key in reaching mutual understanding and agreements, ensuring both parties are on the same page regarding debt settlement.
  • Knowing your rights and maintaining composure during interactions with face-to-face debt collection agencies are crucial in ensuring productive and respectful conversations, leading to amicable solutions.
  • Making informed choices and taking active steps are pivotal in managing and settling debts effectively and lawfully with Face to Face Debt Collection Agency, ensuring financial stability and peace of mind.


Are Face to Face debt collectors bailiffs?

No, they are not. They do not have any legal right given by the high court to enter your property without permission, which bailiffs usually do.

Who Do Face to Face Collect Debt Collectors Work with?

Usually, they work with different companies such as Mortgage and Secured Loan Brokers, Debt Management Companies, IVA Companies, Leasing Companies, Insurance Companies, etc.

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