Clarity Credit Management Debt Collectors
Falling into debt that you struggle to manage can create all kinds of stress, and being pursued by a debt collection agency can create more problems than it needs to.
Have Clarity Credit Management sent you a letter associated to money that you’ve failed to pay another lender or credit account? If so, you might be wondering why they’re contacting you and not your original lender.
We’ve gathered the information you need to understand the situation and how to deal with it. There’s a list of ways to contact them if you’re in a position to pay towards what you owe, and options of your alternatives if not.
If there’s anything you need to know and you can’t find the answers below, get in touch with our resident debt expert, TAD, for a financial health check today.
Clarity Credit Management contact details:
Company Name: Clarity Credit Management Ltd.
Other Names: Clarity Debt Collection, Clarity Credit
Main Contact Number(s): 01604 686050
Who is Clarity Credit Management?
Clarity Credit Management is a debt collection agency that buys or manages credit accounts to recover all unpaid amounts.
They are a UK business based in Northamptonshire and have been in operation since 2005.
When a business hasn’t got the resources to chase customers whose accounts have defaulted, they employ an agency such as Clarity Credit Management to find out why and to find an agreeable solution for you to pay the outstanding amount.
Clarity Credit is a dedicated debt collection business; they have all the tools and employees to stay in regular contact with those customers who fail to make repayments. They are driven to recover what’s owed, so you must respond to their negotiations.
If you don’t want the matter to escalate. Clarity can pursue what you owe through Court action if you refuse to engage with them.
As a debt collector, Clarity Credit Management follow the Code of Practice as dictated by the Credit Services Association and are regulated by the Financial Conduct Authority.
Why would Clarity Credit Management contact you?
Clarity Credit will chase any of their clients’ customers who have failed to pay towards their bills or missed regular payments on credit facilities.
They’re not there to judge but to help find a way for you to pay the money owed in a payment plan that you can afford.
In certain instances, they can accept a one-off settlement payment that is less than what you owe. They can also help you choose a monthly repayment amount that is affordable to you, making paying back the money more comfortable and within your budget.
Do you owe Clarity Credit money?
Your initial letter will outline the total amount you owe, who you took the original loan or credit facility out with, and how much you’ve paid so far.
If the details don’t look familiar, you may have the right to cancel the debt and have it removed. Occasionally, outstanding accounts get allocated to the wrong person.
This happens in cases of fraudulent account application, debt associated with a previous tenant at your address or in joint account situations.
If you’re not sure whether or not you are responsible for the money shown, TAD can answer all questions regarding your specific situation.
How old is the debt they are collecting?
Some consumer debts can be written off after being inactive for 5 or 6 years. These debts are known as statute barred, and if they conform to all the necessary criteria, can be cancelled in full, with no further payment.
The inactive period starts from the last time you made a payment towards the account or accepted, during written contact, that the debt was your responsibility.
If you think your loan or credit account could be statute barred, contact TAD to find out if you can have it removed.
If the debt is still active, we can advise you on your next best step and the various options available to you.
Is Clarity Credit Management treating you unfairly?
With strict rules in place to protect customers, it’s relatively rare in today’s market that debt collectors fail to follow guidelines governed by the Financial Conduct Authority. However, on occasion, it does still happen.
If you think you’ve been mistreated in any way by your collection agency, we can confirm whether or not this is the case. If so, you are entitled to protection, and in some cases, there could be a compensation payment.
Managing your debt
There are many ways we can help with debt issues. We want to help you get your budget back on track, and in a manner that sits happily within your means and your everyday life.
If you’d like to understand the different ways of removing a single debt or several debts that have got too much to manage, we can advise you there too.
We have a vast range of experience and information regarding the many different ways to manage out of control debt. We understand that unmanageable debt can put incredible stress and pressure on the individuals it affects, and also on their families.
Support from our trusted debt advice partners will help you determine the state of your debt to be certain you do owe the money, or if it has been statute barred.
If they can challenge the debt, they will make sure you don’t have to pay them a penny.
If, however, the debt is live, then they can help you find a debt solution that suits your circumstances to help regain control of your finances.
Your debt solution will allow you to repay what you owe with monthly payments based on what you can realistically afford each month.
For help dealing with your debt, talk to TAD to be connected with one of our trusted debt partners.
*Talk About Debt is not associated with Clarity Credit Management or any of the agencies in our debt collection agency and bailiff directory.