What To Do If You Get A Nasty Letter or Phone Call From:
Experto Credite Ltd
Credite Ltd 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 Experto
Credite), 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 Experto Credite 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.
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.
As an alternative
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).
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: Experto Debt Collectors, Experto Debt Reading, Experto
Address: Windrush House, 24 Portman Road, Reading RG30 1EA
Telephone: 0118 952 8990
Fax: 0118 952 0198
Extra Data: See
Get a free QuickCreditScore
check by applying
Ltd and the Truth About Your Debt
Ltd is a debt
collection company that has bought the debt account from the original
creditor (or in some cases an intermediary or third party) for about
a tenth or less of the original value of the debt and is trying to get
the full value of the original loan from you.
So ask Experto Credite Ltd
for a copy of the original contract when you took out your loan or credit
Data On Experto Credite Ltd
you have any information that you would like honest people to know
about Experto Credite Ltd 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 Experto Credite 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
Experto Credite Ltd website is part of DPC Registry website group. All
rights reserved. Complaints Against Experto Credite Ltd debt collectors.