What To Do If You Get A Nasty Letter or Phone Call From:
Gothia Debt Collectors
is a debt purchasing company or debt collecting company and is listed
in the website of the
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
Gothia Debt Collectors), 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 Gothia 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.
A sensible 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.
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: Gothia Ltd, Gothia Limited, Red Castle Recoveries, Gothia
Debt Collectors Ltd, Gothia Worthing.
Address: Ridgeworth House, Liverpool Gardens, Worthing BN11 1RS
Telephone: 0844 2480276 - BUT DO NOT PHONE GOTHIA DEBT COLLECTORS.
Fax: 0844 2480301
is the UK website.
Extra Data: See
Get a free QuickCreditScore
check by applying
Gothia and the
Truth About Your Debt
Ltd is a debt purchasing agent which has purchased the delinquent account
from the original creditor, usually a bank (or in some cases another
debt purchasing company) for pennies on the pound and is trying to get
the full sum of the original debt from you.
Limited will use all sorts of methods to get you to set up a direct
debit or standing order in order to profit from people's ignorance of
the law. You may already have had bad dealings with them on the phone.
They may call you on the phone at odd times and do so several times
a day. They may write official-looking nastily worded letters threatening
to 'send the boys round' to collect the full amount or take you to court
if you cannot pay. Their other tricks may include attempting to make
a charging order on your property or in some way bring about your homelessness
So ask Gothia
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 Gothia
odd sounding debt collector (with a very dodgy looking domain name
as their website) is a classic example of foreign capital setting
up here and taking advantage of the laxity of UK debt laws which would
not be tolerated in mainland Europe (or wherever in the world these
goths come from).
you have any information that you would like honest people to know
about Gothia then send us an email in complete confidence and we will
try to corroborate it with the clowns involved.
be aware that figures entered into the Gothia Debt Collectors webform
above need to be accurate by law, and to give the best service to you.
It is extremely important that you budget for all necessary expenditure
including rent or mortgage, council tax and utility bills, etc., and
any other necessary outgoings related to the upkeep of your household
and in relation to any specific circumstances which may apply to you
or your household. This website only collects data on behalf of debt
management professionals, from which it will receive affiliate remuneration
for data collection only and does not itself engage in any debt management
services. Other debt management options are available and may be more
suitable. People entering into an IVA or debt management will have this
entered on their credit profile and this may affect their ability to
get credit in the short term or even in the long term in some cases.
It is free to apply from this website; you will be given advice by debt
management professionals and a 'cooling off' period, by law, to decide
whether or not the debt management plan is suitable for you, and you
should be aware that a fee will be chargeable upon a successful arrangement,
as with any commercial transaction. Failure to meet the repayments on
an IVA or any debt management programme may result in serious consequences,
including, but not limited to, bankruptcy. Bankruptcies, CCJs and similar
defaults will be entered into a public register and will remain there
for a statutory period of not less than six (6) years.
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a look at the Insolvency Service's leaflet called 'In Debt', downloadable
of Debt Collectors
Gothia website is part of DPC Registry website group. All rights reserved.
Complaints Against Gothia debt collectors.