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Do you have debt with Advantis Credit ?

If you’ve been contacted by Advantis Credit, it can feel worrying, especially if you’re unsure why they’re getting in touch or what it means for you. Many people first hear from Advantis through a letter, email, or phone call about a debt they may not recognise straight away. Before jumping to conclusions, it’s important to understand who they are, why they’re contacting you, and what your options are. The good news is that you don’t have to deal with this alone. Once you know where you stand, it becomes much easier to take control of the situation.
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Who are Advantis Credit?

Advantis Credit is a UK-based debt collection agency. They work on behalf of organisations to recover outstanding debts. They don't usually own the debt themselves - instead, they act on behalf of creditors, which means they've been asked to contact you regarding money that is believed to be owed. Advantis commonly works with:
  • Government departments
  • Local authorities
  • Utility providers
  • Financial organisations
They are authorised and regulated, which means they must follow rules around how they communicate with you and how they collect debts.

Why are Advantis Credit contacting me?

If Advantis has contacted you, it usually means a company or organisation believes you owe them money and has passed the account over for collection. This might happen if:
  • Payments have been missed over time
  • A previous arrangement has broken down
  • The original creditor has been unable to recover the debt
  • The debt has been outstanding for a while
In some cases, people are contacted about debts they don't immediately recognise. This can happen if the debt is older, it relates to a previous address, or it has been passed between organisations. If you're unsure, it's always worth asking Advantis for full details before making any payments.

Who do Advantis Credit collect for?

Advantis often works with a range of organisations, particularly in the public and utility sectors. They may collect on behalf of:
  • HMRC (tax-related debts)
  • Local councils (council tax or overpayments)
  • Department for Work and Pensions (benefit overpayments)
  • Utility companies
  • Other service providers
Because of this, the type of debt can vary - it's not always linked to traditional credit like loans or credit cards. If you've received contact from Advantis, the letter or communication should state who the original creditor is.

Do Advantis Credit come to your house?

Advantis is primarily a debt collection agency, not a bailiff company. In most cases:
  • They will contact you by letter, phone, or email
  • They do not visit your home as standard practice
Debt collectors do not have the same powers as bailiffs. They cannot force entry or take your belongings. If a case escalates and legal action is taken separately, bailiffs could become involved - but this is a different process and does not happen immediately.

What action can Advantis Credit take against me?

Advantis can take steps to recover a debt, but they must follow legal and regulatory guidelines. They may:
  • Contact you to request payment
  • Ask you to agree to a repayment plan
  • Pass information back to the original creditor
  • Recommend further action if the debt remains unpaid
In some cases, if a debt continues unresolved, the original creditor may decide to take further steps such as court action. However, this doesn't happen without warning - there are usually several stages before things escalate.

How should I deal with Advantis Credit?

If you've been contacted, the most important thing is not to ignore it completely. A sensible approach is to:
  • Check that the debt is yours
  • Ask for full details if you're unsure
  • Review your financial situation before agreeing to payments
  • Avoid committing to anything you can't afford
If the debt is correct, you may be able to set up an affordable repayment plan, ask for time to review your finances, or seek advice before making any decisions. Many people find that once they engage with the situation calmly, it becomes much more manageable.

How to stop Advantis Credit with an IVA

If you're struggling with multiple debts, including one being managed by Advantis, an Individual Voluntary Arrangement (IVA) could be an option. An IVA allows you to:
  • Combine multiple debts into one monthly payment
  • Pay an amount you can realistically afford
  • Stop creditor contact once the IVA is approved
  • Write off remaining debt at the end, if terms are met
Once an IVA is in place, Advantis and other creditors included in the arrangement must deal through your insolvency practitioner rather than contacting you directly. This can take a lot of pressure off, especially if you're receiving frequent communication.

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An Individual Voluntary Arrangement (IVA) is a formal agreement with creditors to repay a portion of your debts over time, but it does have an impact on your credit score and it will be difficult to obtain further credit whilst on an IVA. Once an IVA is approved, it is recorded on your credit report and will typically remain there for six years from the date it starts.
However, it’s important to note this is the case for most debt solutions and your credit score will likely already have been affected by being in debt in the first place.
Once your IVA is complete you will get a fresh start to begin rebuilding your credit rating.

Fees

IVA costs are charged for the preparation of your proposal and the administration of the arrangement for the full term (usually 5 years) these costs are charged from the monthly contributions you make into the IVA and are not in addition. Costs will only be recovered on approval of your arrangement and once you commence making payments to it. The fees for preparation of the proposal to creditors and calling the meeting for creditors to vote on its approval are called nominees fees, the fees for running the arrangement once approved are called supervisors fees. There are also some expenses incurred in the running of the arrangement such as the registration fee and the statutory insurance that needs to be taken by law, these are called disbursements. For our arrangements, the total of all of these is £3,650 although this may be adjusted by creditors when they vote on whether to accept. No matter what the end total of costs come to, you can be rest assured that these will be taken from the monthly payment we agree with you.