07891891162: who called?

Number

07891891162

Linked to

Advantis Credit Limited, a debt collection agency

Regulation

Authorised by the FCA and a member of the Credit Services Association

First step

Do not pay or give card details on the call. Ask for the details in writing.

Who is linked to 07891891162?

Calls from this number are associated with Advantis Credit Limited, a collections company based in Stoke-on-Trent. It collects debts for other organisations, so its name may not match anyone you remember dealing with.

Two cautions. Collectors use many different numbers, so blocking one will not necessarily end contact. And caller ID can be faked by scammers, so a matching number is not proof the call is genuine.

Why are they calling?

Collectors usually call for one of two reasons. Either the original creditor has passed the account to them to collect, or they have bought the debt and now say it is owed to them. The company you originally dealt with, such as a utility, shop or phone provider, may not be named on the call.

Sometimes the wrong person is contacted, for example a former tenant at your address. If you do not recognise the debt, say so and ask them to confirm it in writing.

Before you pay anything

• Ask for a letter showing the original creditor, the amount, the account number and how the balance is made up.
• Do not confirm personal details or read out card numbers on an unexpected call. Call back using the number on a letter or the company’s official website.
• Check your credit reports to see whether the account appears. The main credit reference agencies each offer a free way to view your report.
• Be careful with very old debts. In England and Wales a debt can become unenforceable after six years (five in Scotland), but paying or admitting it can restart the clock. Get advice first.

What can they do if you do not pay?

A collection agency can write, phone and, if the debt is genuine, suggest a payment plan or start court action. For most ordinary debts, bailiffs can only be sent after a court judgment, and the agency cannot take your goods itself. Collectors must not threaten you, mislead you or harass you, and they must not claim they can have you arrested over an ordinary debt.

Ignoring court papers is the real danger, because a judgment against you can follow. Always reply to a claim within the deadline.

How to stop the calls and letters

• Write to them and ask them to contact you by post or email only. They can still send letters, but should respect your request about calls.
• Ask a debt adviser about Breathing Space, which gives 60 days without most contact and extra charges while you get help.
• If you are in a formal solution such as an IVA or a debt relief order, tell them. Collection activity should stop once creditors are notified.

Advantis Credit Limited: contact details

We are not associated with Advantis Credit Limited. This information is provided to help people contact their creditors. Always check a caller is genuine before sharing details.