Financial Services Ltd is a debt purchasing company or debt collecting
company in the website of DBSG
(The Debt Buyers and Sellers Group) and/or mentioned in consumer finance
forms. They have a legitimate function as debt collectors, but there
is some indication that some such companies (not necessarily TBI Financial
Services), and especially the debt purchasing element, go a bit too
far sometimes and can make people's lives a misery when those same people
are at their most vulnerable. We do not suggest that they are acting
outside the law, but getting that letter or phone call is not exactly
helpful to you right now.
So the first thing
you must do if TBI Financial Services Ltd are bothering you is not
to panic or despair. That's just what they want! They'd love
you to call their number and speak to their specially trained sales
team for 'advice'. But once you do that you'll be suggestible to whatever
they tell you, instead of getting independent advice. While we always
say that you should keep an open dialogue with debt collectors, we would
recommend that you do so in writing only. This will prevent them 'railroading'
you into any action which is not in your best interests, as they so
love talking people into doing things on the spur of the moment. Of
course, they are only doing their job, but that's hardly a consolation
for you in the present situation.
There are several
courses that are open to you, and some will suit your own situation
better than others.
A sensible option,
we would suggest, is a debt management plan or even an IVA - which is
designed to actually write off a large chunk of your unsecured debt.
But you would need to take advice on this and look at your income and
expenditure in detail. This option won't suit everyone. There's more
on this below.
For an alternative type of
loan you could apply for a 'logbook loan' which many
people find a very handy option. It is actually a loan secured on your
car, except you get to keep the car and keep the cash as well! That's
why some people find it such a good idea, as it unlocks the equity in
your vehicle without taking away your means of transport (there's no
need to sell the car).
Yet another option
is a no credit-check guarantor loan. This is especially
useful because your own credit rating is not looked at; you must find
someone else willing to act as a guarantor for you such as a friend
or family member. This is an ideal solution if you're at the stage where
your credit profile has been downgraded by recent events, etc. So click
the following link for Unsecured Loans
that don't need you to be credit checked.
If you wanted to
try a debt management plan, then we provide a whole-of-market service,
with a number of debt management experts on our panel. So whatever your
circumstances, your application will find the plan for you, meaning
the optimum outcome for your situation. It also means
there are no minimum requirements for debt levels or income.
So apply for a debt management plan using the form below.
Name: TBI Financial
Also Known As: TBI Ltd, TBI Limited, TBI Debt Collectors, TBI Reading,
TBI Financial Ltd Reading, etc.
Address: 1st Floor The Robert Cort Building, Elgar Road South, Reading
Telephone: 0118 9313800
Fax: 0118 9752296
Email: firstname.lastname@example.org is the email address given in DBSG. They use
an AOL account: how's that for a great corporate image!!!
Extra Data: There
doesn't appear to be any information on the operations of this lot, though
they are mentioned in the consumer forums as being debt collectors for
HFC (GM) credit cards.
TBI Financial Services Ltd and
the Truth About Your Debt
Get a free QuickCreditScore
check by applying
TBI Financial Services
Limited is a debt collecting company which has
purchased a debt account from the original creditor (or in some cases
another debt collector) for a small percentage of the original value
of the account and is trying to get the full sum of the original debt
TBI Financial Services
Ltd will use
all sorts of methods to get you to set up a direct debit or standing
order so that they can make a quick profit. You may already have had
bad dealings with them. They may call you on the phone at odd times
and do so unacceptably often. They may write you official-looking nastily
worded letters threatening that they will come round and collect the
full amount or take you to court for the full amount. Other strategies
may involve saying that they will make a charging order on your home
or in some way cause you and your family great personal suffering.
So ask TBI Financial Services Ltd
for a copy of the original contract when you took out your loan or credit
To find out if you
qualify for an IVA or can benefit from a debt management programme,
try the IVA
Test. It's free to apply, and again you are protected by the consumer
laws regarding debt management at all stages. Click
here to go to the application form.
Data On TBI Financial Services Ltd
you have any information that you would like honest people to know
about TBI Financial Services Ltd then send us an email in complete confidence and
we will try to corroborate it with the clowns involved.
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a look at the Insolvency Service's leaflet called 'In Debt', downloadable
of Debt Collectors
TBI Financial Services Ltd website is part of DPC Registry website group.
All rights reserved. Complaints Against TBI Financial Services Ltd debt