Justitia is a debt purchasing company or debt collecting company listed
in the website of DBSG
(The Debt Buyers and Sellers Group) and/or mentioned in consumer finance
forms. They have a legitimate function as debt collectors, but there
is some indication that some such companies (not necessarily Intrum
Justitia), and especially the debt purchasing element, go a bit too
far sometimes and can make people's lives a misery when those same people
are at their most vulnerable. We do not suggest that they are acting
outside the law, but getting that letter or phone call is not exactly
helpful to you right now.
So the first thing
you must do if Intrum Justitia is bothering you is not to panic
or despair. That's just what they want! They'd love you to
call their number and speak to their specially trained sales team for
'advice'. But once you do that you'll be suggestible to whatever they
tell you, instead of getting independent advice. While we always say
that you should keep an open dialogue with debt collectors, we would
recommend that you do so in writing only. This will prevent them 'railroading'
you into any action which is not in your best interests, as they so
love talking people into doing things on the spur of the moment. Of
course, they are only doing their job, but that's hardly a consolation
for you in the present situation.
There are several
courses that are open to you, and some will suit your own situation
better than others.
option, we would suggest, is a debt management plan or even an IVA -
which is designed to actually write off a large chunk of your unsecured
debt. But you would need to take advice on this and look at your income
and expenditure in detail. This option won't suit everyone. There's
more on this below.
Getting some cash
in the short term could be an easier choice. It may be that you only
need a short-term financial boost to get you over a tricky patch. In
this case, if your bank won't give you a personal loan (for whatever
reason) you could get a payday loan which is an unsecured loan designed
only for the short term. The only problem with these is that the interest
rates are, frankly, very high. We cannot recommend them here, otherwise
you may be in for yet another visit from Intrum Justitia before you
expect it! We see people getting into more trouble with payday loans
For an alternative type of
loan you could apply for a 'logbook loan' which many
people find a very handy option. It is actually a loan secured on your
car, except you get to keep the car and keep the cash as well! That's
why some people find it such a good idea, as it unlocks the equity in
your vehicle without taking away your means of transport (there's no
need to sell the car). To apply
for a logbook loan click here.
Yet another option
is a no credit-check guarantor loan. This is especially
useful because your own credit rating is not looked at; you must find
someone else willing to act as a guarantor for you such as a friend
or family member. This is an ideal solution if you're at the stage where
your credit profile has been downgraded by recent events, etc. So click
the following link for Unsecured Loans
that don't need you to be credit checked.
If you wanted to
try a debt management plan, then we provide a whole-of-market service,
with a number of debt management experts on our panel. So whatever your
circumstances, your application will find the plan for you, meaning
the optimum outcome for your situation. It also means
there are no minimum requirements for debt levels or income.
So apply for a debt management plan using the form below.
Also Known As: Intrum Justitia Ltd, Intrum Justitia Limited, Intrum Justitia
Address: 5th Floor, The Plaza, 100 Old Hall Street, Liverpool L3 9QJ
Telephone: 0151 4732626 (but do NOT phone them)
Fax: 0870 1509610
Extra Data: See
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check by applying
and the Truth About Your Debt
Ltd is a debt purchasing company which has bought the debtor account
from the original lender, often a bank (or in some cases another debt
purchaser) for around a tenth or less of the original value of the debt
and is brazenly attempting to recover the full sum of the original from
Limited will use all sorts of methods to get you to set up a standing
order in order to profit from people's ignorance of the law. You may
already have experienced bad dealings with them on the phone or by letter.
They may call you on the phone at strange times when they know it is
inconvenient for you and do this lots of times. They may write official
appearing sternly drafted letters threatening to send someone round
to collect the money in full or that they will take you to court if
you cannot pay. Other strategies will include attempting a charging
order on your home or in some way bring about your homelessness or destitution.
So ask Intrum Justitia
for a copy of the original contract when you took out your loan or credit
To find out if you
qualify for an IVA or can benefit from a debt management programme,
try the IVA
Test. It's free to apply, and again you are protected by the consumer
laws regarding debt management at all stages. Click
here to go to the application form.
Data On Intrum Justitia
you have any information that you would like honest people to know
about Intrum Justitia then send us an email in complete confidence and
we will try to corroborate it with the clowns involved.
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a look at the Insolvency Service's leaflet called 'In Debt', downloadable
of Debt Collectors
Intrum Justitia website is part of DPC Registry website group. All rights
reserved. Complaints Against Intrum Justitia debt collectors.