JS Collections Ltd

Received a letter or call from JS Collections Ltd? This guide explains who they are, why they’re contacting you, your legal rights, and what to do next.

Who Are JS Collections Ltd?

JS Collections Ltd is a debt collection agency (not bailiffs) based in London. They collect debts on behalf of other companies, typically purchasing debts or acting as agents for the original creditor.

Company Details:

• Company Number: 07533082
• Registered Address: 352-353 Oxford Street, London, W1C 1JG
• FCA Status: Authorised and regulated by the Financial Conduct Authority

Important: JS Collections are debt collectors, NOT bailiffs. They have no legal power to enter your property or take your goods without a court judgment.

They may be contacting you because:

• A company has sold your debt to them
• They’re acting as agents for the original creditor
• Your account has been passed to them for collection

Contact Details

JS Collections Ltd

352-353 Oxford Street London W1C 1JG

Company Number: 07533082

What Debts Do JS Collections Collect?

JS Collections typically collect:

• Credit card debts
• Personal loans and overdrafts
• Retail credit (store cards, catalogue debts)
• Utility bill arrears (gas, electric, water)
• Telecommunications debts (mobile phones, broadband)
• Payday loans and other consumer credit

Your Legal Rights

JS Collections MUST:

• Tell you who the original creditor is
• Provide proof of the debt if you request it in writing
• Treat you fairly under FCA regulations
• Accept reasonable payment offers
• Give you time to seek debt advice
• Not contact you excessively
• Respect your request for written-only communication

JS Collections CANNOT:

• Pretend to be bailiffs or enforcement agents
• Threaten legal action they don’t intend to take
• Harass you with excessive calls or letters
• Contact you at unreasonable times
• Discuss your debt with family, friends, or employers
• Add unreasonable fees to the debt
• Enter your property without your permission
• Take your belongings (they are NOT bailiffs)

How to Respond to JS Collections

Step 1: Don’t Panic

A letter from a debt collector is not the same as a court summons. You have time and options.

Step 2: Verify the Debt

Before paying anything, request proof of the debt:

• Write to JS Collections requesting a copy of the original credit agreement
• Ask for a full statement showing how the amount was calculated
• Check your credit file for the original account

They must provide this evidence. If they cannot prove you owe the debt, they cannot legally pursue it.

Step 3: Check If It’s Statute-Barred

A debt may be “statute-barred” (unenforceable through court) if:

• 6 years have passed since your last payment or acknowledgment
• No CCJ has been obtained against you for this debt

If the debt is statute-barred, you can write to JS Collections informing them. They can still ask you to pay, but they cannot take you to court.

Step 4: Respond Based on Your Situation

If the debt is yours and you can pay:

• Negotiate a settlement - they may accept less than the full amount
• Set up an affordable payment plan

If you dispute the debt:

• Request proof in writing
• Keep copies of all correspondence
• Seek advice from a debt charity

If you can’t afford to pay:

• Don’t ignore them - this can lead to court action
• Seek free debt advice
• Consider formal debt solutions (see below)

Can JS Collections Send Bailiffs?

Not directly. JS Collections are debt collectors, not bailiffs. However:

1. If you ignore them, they could apply for a CCJ (County Court Judgment)
2. If you don’t pay the CCJ, they could apply for enforcement
3. Only then could bailiffs become involved

Acting early prevents this escalation. Respond to their letters and seek advice.

Making a Complaint About JS Collections

If JS Collections have treated you unfairly:

Step 1: Complain to the Company

Write to: JS Collections Ltd 352-353 Oxford Street London W1C 1JG

Keep a copy and send by recorded delivery.

Step 2: Escalate to the Financial Ombudsman

If your complaint isn’t resolved within 8 weeks:

Financial Ombudsman Service

• Website: www.financial-ombudsman.org.uk
• Phone: 0800 023 4567
• Post: Exchange Tower, London, E14 9SR

Step 3: Report to the FCA

For serious misconduct:

• Website: www.fca.org.uk/consumers/report-scam-unauthorised-firm

Struggling With Multiple Debts?

If JS Collections are chasing you, you may have other debts too. Consider these formal solutions:

Individual Voluntary Arrangement (IVA) - Possible write-off of qualifying debt after completion with one affordable monthly payment. Check if you qualify.

Debt Relief Order - A formal option where qualifying debts may be written off after the DRO period if you meet the criteria.

Debt Management Plan - Reduce monthly payments to what you can afford.

Frequently Asked Questions

Is JS Collections a legitimate company?

Yes. They are a registered company (07533082) authorised by the FCA. However, always verify any debt collector’s identity before making payments.

Can JS Collections affect my credit score?

The original debt will already be on your credit file. How JS Collections reports depends on the arrangement - a payment plan or settlement may help your score improve over time.

Should I pay JS Collections or the original creditor?

Once a debt is sold or assigned, you typically pay the current owner (JS Collections). Check your paperwork to confirm who now owns the debt.

What if I don’t recognise the debt?

Request proof in writing. Don’t pay anything until you’ve verified:

• The debt is yours
• The amount is correct
• The debt hasn’t been paid already

Can JS Collections take me to court?

Yes, they can apply for a CCJ if you owe the money and don’t respond. That’s why it’s important to communicate - even if you can’t pay in full.

Compare your debt options. Use our free IVA calculator to see your options.

Sources checked

• FCA debt collection information for fair treatment expectations.
• FCA Register for checking regulated consumer credit firms.
• Companies House for company identity checks.
• MoneyHelper debt guidance for free debt advice signposting.
• GOV.UK options for dealing with your debts for debt solution context.