Keep Debt Collectors From Your Door - Find Out How To Stop Drydens From Getting A CCJ Against You
Who is Drydensfairfax?
Drydenfairfax is part of the company Drydens Limited, and they are one of the largest debt collection agencies in the United Kingdom.
Drydensfairfax started working as debt collectors in 2005. Fairfax solicitors are known for collecting debt, sometimes on behalf of other companies.
Why are they calling me?
Sadly the business of debt collection is only growing with the influx of credit cards and credit card debt. Drydensfairfax solicitors buy outstanding debt from another lender for sometimes 20% of the amount owed. The company will then collect the money and even make money when the debt has been paid in full.
So if Dryden's solicitors are contacting you with information in your credit file, it means they have bought your debt from another lender. Even though you may owe money to different companies and not Drydensfairfax solicitors directly, they are taking care of the debt collection now.
The solicitors that work with Drydensfairfax work on bonuses; they are usually working for as little as they can legally be paid. This means Fairfax solicitors who reach out to you want to get the debt collection sorted out quickly so they can make extra money.
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What can they do?
Fairfax solicitors want you to pay your debt, and they have a lot of different ways to get that money. Like we mentioned the Fairfax solicitors who get in contact with you are working for a bonus, meaning they want you to pay, and to do that they need to talk to you. One of the things the Fairfax solicitors will do is set up automated calls to go out to you at all hours of the day.
Another tool a Fairfax solicitor could use is playing both the caring person concerned for your debt and someone who is rude and judgemental wanting only for you to pay what you owe to the debt collectors. This is a trick used by the Fairfax solicitor to wear you down until you pay them. When the Fairfax solicitors first get in contact with you, their tone might be friendly seemingly wanting to help. Then speaking to them again with maybe a question or concern the Fairfax solicitor will be different more rude and abrasive about what you owe.
A Fairfax solicitor might also try and lie to you, threaten you with a County Court judgement, or other legal actions. It is important to note that no matter what your situation is, you should never feel threatened, scared, or unsafe when speaking to solicitors.
If you do not pay the debt collectors, you could find Drydensfairfax solicitors at your door. Whilst owing debt can be a stressful time for individuals, it's best off that you act upon it and get debt advice, rather than hoping for it to pass over.
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Is Drydensfairfax legitimate debt collection?
Drydensfairfax works under their more common name as Drydensfairfax solicitors.
Their website says they are a law firm with a focus on recovering consumer debt with the use of their solicitors. The Solicitors Regulation Authority is regulating Drydensfairfax and they can conduct their business by the Financial Conduct Authority.
On that note, it is essential to make sure they have the correct information when it comes to your account. When you are being contacted by one of Drydensfairfax solicitors for the purpose of debt collection, you should first find out where the debt is coming from. This way, you can see how many payments have not been made and the new amount with the added interest. When that is done, contact the Fairfax solicitors and ask for the original credit agreement. If they do not have that, you do not have to pay them.
What if I ignore the Fairfax Solicitors trying to contact me?
If you choose to ignore the Fairfax solicitor when they are trying to contact you by phone, you may find someone visiting you at your home. The Fairfax solicitors have the information around your debt from the company you originally own meaning they also have your home and work address.
A Fairfax solicitor being part of a law firm knows their way around the court. They can go to the County Court to try and claim the money from you. If you have been in fact taken to court, you will receive a County Court Judgement letter by post. The Fairfax solicitors are representatives of the debt collection agency, so there are some real consequences to ignoring them.
While they cannot send you to prison for outstanding debt, they can send bailiffs to collect items that amount to the debt you owe. While the debt collector cannot enter your home as they have no legal power to do so. What they can do it is take you to County Court and send a bailiff to your home.
How long can Fairfax solicitors try and collect a debt?
Fairfax solicitors can try and collect an outstanding debt for six years after your last payment in accordance with the Limitations Act of 1980. Although if they have gone through the court processes and issue a judgment letter, you can be chased without a fixed limit.
If the six years have passed and no legal action has been taken Fairfox solicitors cannot collect on this specific debt.
So the debt is real how do I contact Drydensfairfax?
On their website, they do not have the option for you to chat with a live agent. They also do not have a Drydensfairfax email for you to contact them. From their website, the only way to connect them is by calling them. The number to call is a freephone number so know that you may be charged for calling them if you do not have inclusive minutes.
How can I pay what I owe to Drydensfairfax Solicitors?
The Fairfax solicitors will hopefully give you the information on payment options when they speak with you. According to their website, they offer many ways for you to pay debit card online or by phone, bank transfer, or by internet banking. They give the option of setting up regular payments each month directly from your bank, or you can mail in cheques.