If you’ve had a letter from SLL Capital about an unpaid debt that they claim you still owe towards, you might be wondering who they are and why they’re contacting you.

They could have already started phoning you to pursue the outstanding money, or even made a visit to your home.

Being contacted or chased by a debt collection agency can be very stressful, and not knowing your rights can add to the worry.

If you have been contacted by SLL Capital, then the following information should help. Their contact details and website could also be useful when it comes to finding the answers to questions we haven’t covered.

SLL Capital contact details:

Company Name: SLL Capital Ltd.

Other Names: SLL, SLL Debt Recovery, SLL Capital

Address:
Unit 6B ZK Park,
23 Commerce Way,
Croydon
CR0 4ZS

Main Contact Number(s): 020 3818 3834

Website: www.sllcapital.co.uk

Email: www.sllcapital.co.uk/send-us-an-email

Other phone numbers that they might use to contact you:

020 8253 4140 and 020 3862 4891

Opening hours:

Monday–Friday: 8am–6pm
Saturday: 9am–3pm

Who is SLL Capital?

SLL Capital is an industry-leading debt purchase company, operating throughout the UK.

They buy debts from a variety of short-term loan and payday loan lenders.

Once they take control of a loan, it’s up to them how they recover the outstanding money. To stand the best chance of recovering the debt, they work with their clients to find a manageable and affordable payment plan.

They have over 50k clients and offer a variety of debt solutions to help each one get back on track and their plans are designed to be affordable and fair. In some cases, you could be offered a settlement discount based on a unique offer just for you that’s calculated around your circumstances.

SLL are members of the Credit Services Association (CSA), fully PCI-DSS compliant for payment security, and registered with the Information Commissioners Office for DataProtection. They are authorised and regulated by the Financial Conduct Authority.

Why would they contact you?

If you couldn’t keep up with your loan repayments or stopped paying the money you owed for any other reason, SLL could now be responsible for its recovery.

The letter you receive should outline where the debt came from, your payments and the outstanding amount.

Failure to get in touch with SLL Capital could result in court proceedings to recover the debt. If you ignore their letters and phone calls, there’s a good chance they’ll visit your home or place of work to try and talk to you. The only way to prevent this is to take control and deal with it.

Do you owe SLL Capital money?

If you aren’t sure whether or not you owe SLL Capital money, it’s important that you find out.

To have the account closed off and stop unnecessary visits and on-going contact, you must prove to the debt collectors that you have paid the debt.

There are instances where an unpaid loan is connected to someone else who lived at your address or was taken out through fraudulent means.

If you believe the debt isn’t yours, we can advise you the best ways to prove that this is the case and have it removed.

How old is the debt they are collecting?

Some old and forgotten debts can be disregarded after a set period of time.

Statute barred debts are usually consumer loan or credit arrangements that haven’t been paid into for 6 years. If you haven’t spoken with your original lender or had any communication with them throughout that time, then you could be entitled to discount the remainder of the debt.

We can help you prove this is the case and have it struck from your account.

If the debt is found to be active, then you should seek advice into the best ways to repay it and to settle the situation.

Is SLL Capital treating you unfairly?

The law outlines how anyone entering into a credit agreement must be treated. It is designed to protect both lender and borrower from any untoward treatment or behaviour. Your lender must make sure the amount and repayment schedule is fair and reasonable in line with your income.

If you feel you have been mistreated at any point during your experience, you can make a complaint to the Financial Conduct Authority to help you find a solution. You may even be entitled to compensation.

Managing your debt

SLL deal with thousands of people with debt problems, to help them get back on their feet financially and take control of their budget.

When the process becomes complicated or confusing, it’s good to know that there’s someone you can ask for help.

We deal with companies just like SLL every day. Whatever you need to know about debt collection, payment schedules, financial assessments and your rights as a borrower—we’ve got the answers.

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 SLL Capital or any of the agencies in our debt collection agency and bailiff directory.