JCA | Customers

Nationwide Solutions Provider to the Secured Asset Funding Sector

DO YOU OWE UNSECURED MONEY (DEBT)

It is vital that you do not ignore the attempts made to contact you. The problem will not go away if you ignore it, it will typically get worse and further costs could be added to the debt owed.

More importantly, hiding away and ignoring these things will most often lead to stress and sometimes worse. If you simply cannot pay, we would have no way of knowing unless you talk to us.

Communication and keeping in touch is crucial and without doubt, once you start to engage with us, the stress will ease.

In the first instance we will ensure that any disputes you may have over the amount owed are fully looked into and the debt amount verified correctly.

If you are unable to settle in full, we will work with you to set up an affordable plan, acceptable to both you and the lender for whom we act.



SECURED DEBT & REPOSSESSION OF VEHICLES OR OTHER GOODS

If we are collecting arrears on your account, talk to us and let us see what we can do. Not talking and refusing contact will normally lead to your Agreement being terminated following which only the full balance would be accepted, or the goods (assets) being recovered.

Should repossession become necessary, again avoiding us or trying to prevent recovery is unwise. Costs will invariably increase and the matter could escalate to Court Action or in some instances, be reported to Police.

Quiet clearly communication and dealing with the inevitable is always the best way to handle these matters. It will save you time, stress and in all probability money by keeping costs to a minimum.

Above all else please remember that we are here to help and will communicate your issues to our instructing clients; sometimes having someone present your case for you can help.



DEBT, REPOSSESSION AND YOUR RIGHTS

We are completely impartial in how we work and will always explain your rights and will work with you to ensure that what you pay is what you can afford and no more.



NEED FREE DEBT ADVICE?

Whereas our staff are fully trained to handle cases of genuine financial difficulty, we cannot offer advice. There are however many trustworthy resources that you can reply upon to provide accurate and helpful advice, some of which are listed below.



National Debtline

nationaldebtline.org

0808 808 4000

Step Change Debt Charity

stepchange.org

0800 027 6845

Money Advice Service

moneyadviceservice.org.uk

0800 138 7777

Citizens Advice Bureau (CAB)

citizensadvice.org.uk

Check online for your nearest Citizens Advice Bureau.

Money Advice Scotland

moneyadvicescotland.org.uk

0141 572 0237

Advice NI

debtadvicenorthernireland.co.uk

0800 917 4607