Listed below are some of the common questions we are asked, and some answers that you may find useful.
A Debt Collection Agency is a Company that has been employed by either a private or public sector organisation (i.e. Bank, Utility, Housing Associations) to recover outstanding arrears or debts on their behalf.
You have received a letter from PS&P, as we are chasing either an outstanding balance or arrears on behalf of our Client.
If you have received a letter from PS&P, you should contact us immediately to discuss and agree a suitable payment or repayment method to settle your debt.
If you have received a letter or notice from PS&P, however the person named on the letter has no connection or relationship to you, then you must contact PS&P immediately in order that we can update our records with any new forwarding address details or telephone numbers of the previous occupier(s). To verify the accuracy of the information provided, we will request to have sight of some evidence confirming that you are the new occupier of the property. This could be in the form of a copy of a recent tenancy agreement or utility bill. It is important that you do not delay contacting PS&P, as a failure to do so may result in our continued recovery action or additional letters being sent to your property.
PS&P is committed to working with you to achieve a realistic settlement of your debt. If you cannot afford to pay your debt in full, you must contact us immediately to discuss the payment options available to you. We can offer flexible payment arrangements, however these are determined by the guidelines specified by our Clients. Payment arrangements are discretionary and will only be entered into subject to an arrangement being maintained.
Should you dispute the validity of a debt or the amount owed, you must either speak with PS&P or our Client to establish the facts regarding the debt owed. If you claim to have paid the debt that is being pursued, then you must provide ‘proof of payment’ to verify that the amount in question has in fact been paid.
Our Debt advice section on this website will provide you with a list of links on debt advisory organisations that specialise in helping individuals to obtain the right information on how best to deal with their debts.
In the event that you miss a payment date or payment deadline, you should contact PS&P immediately to explain the reasons surrounding your missed payment. Our Call Centre operators are there to help you and they will adopt an approach that best addresses your personal situation and are committed to working with you to achieve a realistic settlement of your debt.
Please go to the How to Pay tab displayed on this website for a list of payment methods accepted by PS&P.
Your continued failure to acknowledge our requests for payment could result in your account being passed to our Doorstep Recovery division, which will result in you receiving a visit from one of our national Doorstep Field Collectors. Should you fail to establish contact with our Field Collectors, we will have no other option but to prepare a comprehensive report, which we will forward to our Client with our recommendations of the continued recovery options available to them for the collection of your debt. This may result in our Client issuing legal proceedings against you for the recovery of the debt outstanding.
A Doorstep Field Collector is employed by PS&P to specifically visit our Client’s customers to collect outstanding balances or arrears due. They can agree and set up suitable repayment plans for debts owed, however this is subject to a payment arrangement being maintained.
Please note that if your account has been passed to our Doorstep Collectors, your account is at a very critical stage in the Debt Collection Process and you must either speak with the Collector in charge of your case, or call our Contact Centre on 0330 159 6571.
The provision of credit remains fundamental to our society and it is a recognised fact that if you fail to pay the sums due to your creditors during a permitted timescale, this will affect your credit worthiness and your ability to be granted credit.
Yes, PS&P adheres to a Code of Conduct, which is also aligned with the Credit Services Association (CSA) Code of Conduct.
PS&P’s governing body is the Credit Services Association. Please note that CSA as an association does not give advice to members of the public; however the association encourages members of the public to seek further advice from a recognised local or national debt advice agency or a qualified legal practitioner.