GCMI Enforcement Group Ltd: who are they, why are they contacting me, and what do I do?

Why are GCMI Enforcement Group Ltd contacting me?

If your account has been passed to GCMI Enforcement Group Ltd, it is most likely because you owe money. Usually, your debt is owed to a different creditor and GCMI Enforcement Group Ltd are acting as a collection agency for that creditor in order to chase you for payment.

Is GCMI Enforcement Group Ltd a legitimate debt collector?

It is ill-advised to ignore debt collection agencies and they will not give up. If you choose to keep ignoring them, they might take you to court which can then result in you having to deal with enforcement agents or a charging order if you own your own home.

Can debt collectors visit my home?

Not all debt collection companies will come to your house in order to collect debts, but you can always check their website or contact them to check this. Even if they say they do house visits in order to collect debts, they cannot do this straight away. You will be provided with advanced notice before they can come and show up at your property.

GCMI Enforcement Group Ltd Contact Details

Company Name: GCMI Enforcement Group Ltd

Address:

Grosvenor Head Office
Lindsey House
1 Station Road
Addlestone
Surrey
KT15 2AL
DX30905

Contact Number: 0330 390 4568

Website: https://www.gcmi.co.uk/

Email: support@gcmi.co.uk

    All of our advice is completely free of charge





    Should I pay GCMI Enforcement Group Ltd the money that I owe?

    At the end of the day, everyone needs to pay their debts if they can afford to, and if they feel as though they cannot afford to, there are plenty of debt management options that Money Support Group can assist you with. However, just because you are being contacted for payment by GCMI Enforcement Group Ltd doesn’t mean that there aren’t any other options available. Before you pay anything to GCMI Enforcement Group Ltd, make sure to get into contact with us for free money advice.

    What if I ignore GCMI Enforcement Group Ltd?

    GCMI Enforcement Group Ltd are obligated to give you enough time to explore your debt management options. Therefore, it would be wise for you to contact them and let them know that you are looking into the different options available to you. Try not to procrastinate getting help and advice with managing your debts. If you avoid a debt collectors agency for too long, they will not hesitate to take further action against you.

    What action can GCMI Enforcement Group Ltd take?

    While GCMI Enforcement Group Ltd are allowed to chase you for repayment, they are not allowed to harass you or call you at unreasonable times. Harassment includes:

    ▪️Calling you at unreasonable times

    ▪️Calling you at work without your consent or after you have asked them to stop

    ▪️Discuss your debts with any of your family members or with your employer

    ▪️Take payments without your permission

    ▪️Not allowing you to have time to consider your debt management options

    ▪️Insist that you pay off your debts by borrowing more money

    ▪️Purposefully use legal and technical language in order to intimidate and confuse you

    ▪️Force payment when a debt is statute barred

    I’ve been contacted by GCMI Enforcement Group Ltd, what do I do?

    Before you consider making a payment towards GCMI Enforcement Group Ltd, do the following:

    1.Do you owe the debt?

    Check that the debt that GCMI Enforcement Group Ltd is contacting you about, it actually yours. If you are unsure, check with a credit agency to find out the debts you owe.

    2.Get them to send you a ‘Prove The Debt’ letter

    Every debt collection agency legally needs to be able to prove that the debt they say is yours, is actually yours. If they are unable to prove this, they are forced to mark the debt as settled.

    3.Is my debt to GCMI Enforcement Group Ltd statute barred?

    According to the Limitation Act 1980, some debts have a time limit. In the majority of cases within England, that time limit is six years. If you are in Scotland, the time limit will most likely be five years. The countdown begins from the last time you made a payment towards the debt or acknowledged the debt in writing.

    Criteria for a debt to be statute barred:

     

    ▪️The creditor has not registered a Country Court judgement (CCJ) against you

    ▪️You (or if the debt is a joint one, you and the other person) have not made a payment within the last five/six years (or however long the limitation period is in your case)

    ▪️You have not admitted to having the debt in writing in the last limitation period

    4.Is this letter for you?

    Sometimes, debt collection letters can be sent to someone’s old address. If this happens, make sure to contact the debt collection company and explain what has happened. The company should then change their details.

    Bailiff Advice Helpline: 0800 088 2599

    Help! I can’t afford to pay GCMI Enforcement Group Ltd. What options do I have?

    Too often, people are pressured into paying back debts that they cannot afford to pay back. If you are in this situation, do not hesitate to reach out to us for free money advice. Our trained financial advisors can help you navigate which debt management plans are available to you and which one would be best for your personal situation. We can help you set up a debt management plan and we can help set it up with your creditors so that you will not longer need to be contacted by them.

    Can I make a complaint towards GCMI Enforcement Group Ltd? 

    If you feel as though GCMI Enforcement Group Ltd can treated you poorly, you can make a complaint to them:

    ▪️Phone: 0330 390 4568

    ▪️Email: support@gcmi.co.uk

    ▪️Post:

    Grosvenor Head Office
    Lindsey House
    1 Station Road
    Addlestone
    Surrey
    KT15 2AL
    DX30905

    If you are unhappy about the outcome of your complaint to GCMI Enforcement Group Ltd, you can always refer your complaint to either the FCA or the CSA.

    The Financial Ombudsman Service, Exchange Tower, London, E14 9SR

    Email: complaint.info@financial-ombudsman.org.uk

    Phone: 0300 1239 123

    Credit Services Association Ltd, 2 Esh Plaza, Sir Bobby Robson Way, Great Park, Newcastle Upon Tyne, NE13 9BA

    Email: complaints@csa-uk.com

    Phone; 0191 2170 445

    I’ve been contacted by 1st Locate UK, what do I do?

    Before you consider making a payment towards 1st Locate UK, do the following:

    1.Do you owe the debt?

    Check that the debt that 1st Locate UK is contacting you about, it actually yours. If you are unsure, check with a credit agency to find out the debts you owe.

    2.Get them to send you a ‘Prove The Debt’ letter

    Every debt collection agency legally needs to be able to prove that the debt they say is yours, is actually yours. If they are unable to prove this, they are forced to mark the debt as settled.

    3.Is my debt to 1st Locate UK statute barred?

    According to the Limitation Act 1980, some debts have a time limit. In the majority of cases within England, that time limit is six years. If you are in Scotland, the time limit will most likely be five years. The countdown begins from the last time you made a payment towards the debt or acknowledged the debt in writing.

    Criteria for a debt to be statute barred:

    ▪️The creditor has not registered a Country Court judgement (CCJ) against you

    ▪️You (or if the debt is a joint one, you and the other person) have not made a payment within the last five/six years (or however long the limitation period is in your case)

    ▪️You have not admitted to having the debt in writing in the last limitation period

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