When dealing with Debt Collection Agencies (DCA), it is not uncommon to feel overwhelmed or unsure of how to proceed. In some cases, you may wish to appoint someone to act on your behalf in order to help navigate the process and ensure that your rights and interests are protected. To do this, you can provide a letter of authorisation (LoA), which grants the individual the legal right to act on your behalf in all matters related to debt collection. It is important to include specific details in the letter, such as the name and contact information of the authorised individual, as well as any relevant account or reference numbers. Additionally, the letter should be signed and dated by you in order to provide proof of your consent and authorisation. By providing a LoA, you can take an important step towards gaining control over your debt and ensuring that your interests are protected throughout the collection process.

Sample Letter of Authorisation Relating to Debt

To whom it may concern

Due to my/our current financial difficulties, I/we have taken a pro-active approach and instructed XXXXX to assist with my/our affairs.

I/we hereby give my/our authority for anyone from XXXXX to make representation to you on my/our behalf, whether this communication is verbal or in writing.

I trust you will give your full co–operation to them in order that a suitable solution may be found.

Yours faithfully

Signed 1: Print Name 1:

Signed 2: Print Name 2:

Date:

When to Use a Letter of Authorisation

To avoid any confusion or disputes with a debt collection agency (DCA), it is recommended to send a letter of authorisation (LoA) along with each communication, as this practice can help to ensure that the DCA cannot deny having received a copy of the LoA.Debt collection agencies (DCAs) may attempt to avoid dealing with third parties by using it as an excuse to insist on speaking directly with you. I have found that when sending a DCA an Income and Expenditure, printing the LoA on the back helps too.

Getting Help with Debt Can Ease the Pressure

Dealing with debt can be a daunting and stressful task, and it is not uncommon to feel overwhelmed and alone. Seeking help from a trusted friend or family member can be a valuable way to ease the immense pressure associated with debt. A friend can provide emotional support and guidance, helping you stay motivated and focused on your goals. They can also assist you in organising your finances, prioritising your payments, and developing a strategy for managing your debt. However, it is important to keep in mind that while a friend’s support can be beneficial, they may not have the expertise and experience of a professional debt advisor. In some cases, it may be necessary to seek out additional resources and support to effectively manage your debt, perhaps also accompany on a visit to the CAB as a good starting point.

We would recommend that your read the information on the Useful Information tab above or click on Must Read Information About Debt.