Face to Face Debt CollectionLast modified: November 30, 2023
Using a Face to Face Debt Collection Agency
There are many options when it comes to debt collection…
The most effective one by far is to instruct a professional debt collection agency.
A professional agency will be able to enforce the collection of your debt from those that owe money.
Face to Face Debt Collection is a tactic used in the recovery of debt.
It is not a strategy used by most debt collection agencies in the UK.
Under Financial Conduct Authority (FCA) debt collection guidelines, it is not permitted.
Typical debts under the FCA remit include Credit Hire agreements and Personal Loans etc.
However, it is permitted for Private and Business Debt Recovery matters.
A face to face collect action can also be viewed as an overly aggressive tactic.
Many people shy away from this type of debt collection activity as a result. Face to face debt collection can result in intense situations.
If a debtor is very aggressive it will only exacerbate the situation.
The debtor can feel that you are trying to intimidate them and could even call the police.
Compliance in debt collection laws is more poignant than ever.
It is important to remember that the instructing party is ultimately responsible for the conduct of the debt collection resource.
There have been instances of overly aggressive debt collectors being arrested.
In turn, the instructing party has been culpable much to their surprise.
It seems an obvious statement that you should not be using ‘heavies’ or unlicensed parties.
This can leave you in a worse situation with still no debt collected.
Working with professionals will get your debt collected and minimise any liability on your part.
Whilst they should be, these are not always considerations when people choose a debt collection agency.
At Frontline Collections we only use face to face debt collection as a last resort.
We have tried and trusted strategies for the collection of private debts across the UK.
Normal methods of engagement usually serve us well, and our success rates speak for themselves.
Face to face debt collection is a useful tool where the debtor is ignoring all efforts.
These efforts usually include letters, emails, phone calls and SMS texts.
Sometimes our field agents must visit a property is necessary to establish whether the debtor is still there.
It may be that they have absconded and we need to then trace somebody.
Doorstep debt collectors can be carefully used to progress any debt collection case at minimum cost.
We conduct all face to face debt collection matters in a professional manner.
Our reputation and that of our clients is always at the forefront of what we do.
A lawful, compliant debt collection service will always act in this way.
Face to face debt collection should not be confused with County Court Judgment (CCJ) debt collection or Judgment Enforcement.
Enforcing an unpaid CCJ can be very much part of the legal due process.
A CCJ is obtained by making an application to the courts for a money judgment.
In turn, an enforcement order application can be made to try and procure payment.
This can be done in a variety of ways.
Collecting a CCJ is very much different from a standard debt collection visit.
A CCJ is not necessary for a basic debt collection visit to engage a debtor.
UK and International Solutions
For International debt collection efforts, our mantra is the same.
Collecting debts from individuals abroad can be a challenging task but we do it ethically.
Our partners for overseas debts mirror our professionalism and know what is expected.
Our reputation is built on 15 years of professionalism.
If you are seeking a compliant and professional solution then contact us today.