Do you owe money to Advantis Credit? #
Who are Advantis Credit? #
Advantis Credit Ltd is a UK debt collection company, registered under company number 05223252. They’re regulated by the Financial Conduct Authority and are members of the Credit Services Association.
They collect unpaid debts on behalf of organisations like HMRC, the DVLA, British Gas, and various lenders. Each year, they contact millions of people across the UK.
If someone from Advantis turns up at your home, you do not have to let them in. They have no legal right to enter, no matter what they say. Stay calm, and don’t open the door.
If you’ve been contacted by Advantis—by letter, phone, or in person—get in touch with us. We’ll help you understand your options and deal with them directly before things go any further.
There’s support available. You’re not on your own.
Do you need help with Advantis Credit? #
Are you receiving letters from Advantis Credit?
Are they sending letters to your home address or your place of business?
Do Advantis Credit send you text messages or bombard your home phone and your mobile phone with calls at different times of the day?
You may even notice that Advantis Credit call you from several different phone numbers, some may even display as local phone numbers to where you live.
Will Advantis Credit come to my house to collect debts? #
Advantis Credit may have appointed field agents to make home visits to discuss the alleged debt. These visits can be very distressing not only for the named debtors, but for the entire family. These methods can have a detrimental effect on your mental and physical health, and to the people around you.
These are all very common tactics which Advantis Credit use to get in touch with the people who owe them money. Without appointing a debt company to represent you, this may continue.
As a long-established independent debt website, we have a vast experience of dealing with debt collectors such as Advantis Credit. We understand the tactics that they use, such as bullying and threats, and we can work with you to get them to stop.
How can we help improve your Advantis Debt? #
We request reviews from every single customer who we help, some of them have given very detailed feedback and messages of thanks about how we have helped them with their debt issues. We love to hear about how our help has given our clients hope, results and completely changed their lives (in a short space of time). So please check out these reviews and see for yourself!
We deal with a variety of debt solutions and a wide range of debt companies; meaning that you will always find the best debt solution for yourself, without exception. As we do not have ties to any particular collection company, we can work hard to ensure you repay the very minimum money that you need to.
What rights do I have against Advantis Credit? #
As a citizen of the United Kingdom, you have rights that protect you and your family when dealing with a debt collection agency like Advantis Credit.
Advantis is not allowed to harass you. They can contact you by phone, but only if their contact is considered reasonable. While the term “reasonable” is not clearly defined in law, it means you should not feel harassed or overwhelmed by their calls. If you feel pressured, you have the right to raise a complaint.
You can also ask Advantis to contact you only in writing. If you do this, make sure you respond to their letters to avoid the situation escalating.
Advantis debt collectors must not:
-
Contact your family, friends, neighbours, or anyone else about your debt without your permission. This is protected by UK data protection laws.
-
Pretend they have legal powers that they do not actually have.
-
Use letters that look like court documents when they are not. This practice is now banned under UK law.
-
Use threatening or abusive behaviour, or make false claims, to pressure you into paying.
-
Physically threaten you. If this happens, contact the police immediately.
Understanding your rights is key to protecting yourself. If you believe Advantis has acted unfairly or broken any of these rules, you can report them to the Financial Ombudsman Service or the Information Commissioner’s Office (ICO).
Help is available, and you do not have to face debt collection alone.
In just one call, you can receive the debt advice you need to understand your options and what impact they will have on your money and your credit file. If you are at the stage of constantly worrying about your debt, and feeling that you have no power in the situation and that there is nothing you can do, don’t despair; there is always something that you can do.
Is Advantis Legit? #
Advantis are a legitimate debt company based in Stoke-on-Trent, United Kingdom. They typically collect smaller debts, such as mobile phone bills, credit union debts and other debts (usually under £1000).
Can Advantis take me to court? #
Yes. If you do not repay your debt or communicate with Advantis, they can take you to the courts, for legal action to recover your debt through a court order. This action can eventually lead to bailiffs entering your property without your permission, following receipt of a County Court Judgment.
Testimonials #
“Thanks so much to Ethan & Matt for guiding me through the initial process. They were professional, informative and highly supportive.““Good advice and very helpful.““Very helpful and supportive of my situation no judging talked me through the process very professional.”
Advantis Credit Frequently Asked Questions #
If you ignore your debts with Advantis Credit, they have the choice of a few different approaches to recover your debt.
Advantis Credit may make a court claim against you, which is a cheap but popular way for them to reclaim their money. If they choose this method, you will receive a claim form through the post and you would either have to pay the money in full, following their instructions, or dispute the bill. If you dispute the bill against Advantis Credit, you should take legal advice, as a lot of defences will not work in this situation, and incorrect action will increase your chances of further trouble. Make sure your legal representative gives you clear information, so you understand the implications of disputing your debt.
It may be possible to write off any debts that you have with Advantis Credit if you have a total of £5000 or more of unsecured debts. This approach can include loan debt, credit card debt, catalogue debt, payday loans, overdrafts and any other unsecured debt.
Advantis Credit are a debt collection agency; this means that they can buy debts from numerous businesses and legally pursue them, as long as they meet specific standards and guidelines, to make a profit. The majority of debts for collections agencies relate to council tax arrears, car payments, parking fines, benefit overpayments, loans, credit cards, telephone bills, water and electricity bills.
Suppose you have a credit agreement with one of these businesses. In that case, the terms and conditions allow them to sell on your unpaid debt to Advantis Credit Ltd, other debt collections agencies or they may chase you directly for payments.
Yes, Advantis debt collectors organise debt repayments from people who owe money to HMRC.
Advantis Credit Ltd incorporated in September 2004, under company registration number 5223252. They are registered in England and Wales with the following registered office address: Floor 9 Peninsular House, 30-36 Monument Street, London, England, EC3R 8LJ.
They are a legitimate debt collection agency.
You can contact the company about debt collection in the following ways:
- Phone: 01782 971 346
- By post: Advantis Credit Ltd, Minton Hollins Building, Shelton Old Road, Stoke-on-Trent, Staffordshire, United Kingdom ST4 7RY
- Email: admin@advantiscredit.co.uk
You can also find a lot of information on their website at https://www.advantiscredit.co.uk/
Customers have reported that Advantiscredit called them on 01782 401125.
If you have a complaint relating to the performance of Advantis debt collection, address a letter to Advantis Credit Ltd – Complaints Department, Minton Hollins Building, Shelton Old Road, Stoke-on-Trent, Staffordshire, ST4 7RY.
Alternatively, you can contact them in the following ways, quoting your reference number:
- Phone: 01782 401100 (should be free for most mobiles)
- Email: admin@advantiscredit.co.uk
If you are unhappy with how Advantis debt collection have dealt with your complaint, you can refer the details and your circumstances to the Financial Ombudsman Service. The Office of Fair Trading (OFT) is no longer involved in this process. Make sure to keep a copy of all communications the company has sent you, as evidence.
At the time of writing, HMRC uses the following debt collection agencies to collect monies due following a County Court Judgement:
- 1st Locate (trading as LCS)
- Advantis Credit Ltd
- Bluestone Consumer Finance Limited (trading as Bluestone Credit Management)
- BPO Collections Ltd
- CCS Collect (also known as Commercial Collection Services Ltd)
- Moorcroft
- Oriel Collections Limited
- Past Due Credit Solutions (PDCS)
One of the reasons you are likely to receive so many phone calls, perhaps followed up by text message, is that Advantis staff are likely to be paid a bonus for the money they collect, so they have incentives to be persistent. They may also use automated calling systems, which could mean you receive a regular phone call throughout the day from different numbers.
When they send bailiffs to reclaim items of value from your property to repay your creditor, you may incur collection charges if they are not able to enter your property.
The easiest way to pay your debt letter is by making a payment through the link on their website. You can speak to them to see if you can negotiate an arrangement to make part payments, or instalments on your account, rather than letting their bailiffs take your possessions, or making a lump sum payment that you can’t afford. The last thing you want to do is leave yourself without money in your budget to pay for vital things such as rent, which will put you further into debt.
If you think the debt collection agency (DCA) has made a mistake in the record of your debt, you can ask them to supply proof that you owe this money and to list what costs, interest rate or charge they have added to your case. You have the right to ask a question or make a point on anything that you think is unclear or not correct, and to expect a response.
It’s not uncommon to receive a notification about a debt relating to someone else’s activities. The agent may ask you to prove your identity before they will remove your address details from their collection database. It’s important to ensure that your family’s names are not associated with someone else’s debt.
If you would like debt collection guidance, then several institutions such as the Citizens Advice Bureau and StepChange can support you with the steps, industry guidelines and support from others to get your life back on track.
Please note that debt is something that impacts millions of people around the world, so don’t feel that you have to have the strength to deal with everything on your own. It can often feel that there is no end in sight, but in fact, by reading just one article or resources and posts from a supportive body, you will see there is a lot you can do. You’ll also see example after example of a person who has become fed up with living with unrealistic levels of debt, and then sought help to turn their life around; then the rest is history!
Senior Debt Specialist at IVA Advice #
I am a Debt Specialist with over 10 years of experience working with FCA Regulated Finance Companies in the insurance, credit card, loan and debt industry.
I am very familiar with The Civil Enforcement Association and the High Court Enforcement Officers Association and I have written extensively on debt matters.
Latest posts by Thomas James see all #
- Are Moorcroft Debt Recovery still visiting homes? - May 16, 2020
- Half the nation struggles to pay their bills - June 11, 2018