L&G Collections

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

Who Are L&G Collections?

L&G Collections is a debt collection agency based in Richmond, Surrey. They collect debts on behalf of other companies, acting as agents or having purchased debts from the original creditors.

Company Details:

• Company Number: 09517854
• Registered Address: 1 The Green, Richmond, Surrey, TW9 1PL
• FCA Status: Should be authorised by the Financial Conduct Authority

Important: L&G Collections are debt collectors, NOT bailiffs. They have no legal power to enter your property or take your goods.

They may be contacting you because:

• A company has sold your debt to them
• They’re collecting on behalf of the original creditor
• Your account has been assigned to them for recovery

Contact Details

L&G Collections

1 The Green Richmond Surrey TW9 1PL

Company Number: 09517854

What Debts Do L&G Collections Collect?

L&G Collections typically collect:

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

Your Legal Rights

L&G 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 and consider your circumstances
• Give you time to seek debt advice
• Respect requests for written-only communication
• Handle your data according to GDPR

L&G 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 (before 8am or after 9pm)
• Discuss your debt with third parties
• Add unreasonable charges to the debt
• Enter your property - they are NOT bailiffs
• Take your belongings - they have no enforcement powers

How to Respond to L&G Collections

Step 1: Don’t Panic

A letter from a debt collector is stressful, but it’s not a court summons. You have time and options.

Step 2: Verify the Debt

Before paying anything:

• Request written proof of the debt
• Ask for the original credit agreement
• Check your own records - bank statements, credit file
• Verify the amount is correct with no incorrect charges

They must respond to a “prove the debt” letter. Until they prove it, you’re under no obligation to pay.

Step 3: Check If It’s Statute-Barred

A debt may be unenforceable in court if:

• 6 years have passed since your last payment or written acknowledgment
• No County Court Judgment exists for this debt
• You haven’t acknowledged owing it in writing during that time

If the debt is statute-barred, write to L&G Collections informing them. They can still ask for payment, but cannot take court action.

Step 4: Respond Based on Your Situation

If the debt is yours and you can pay:

• Negotiate a full and final settlement (often accept less than owed)
• Agree a payment plan you can afford

If you dispute the debt:

• Put your dispute in writing
• Request full proof before paying anything
• Seek advice from a debt charity

If you can’t afford to pay:

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

Can L&G Collections Send Bailiffs?

Not directly. L&G Collections are debt collectors with no enforcement powers. However:

1. If you ignore them, they may 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

Responding early prevents this escalation. Even if you can’t pay, communicating keeps options open.

Making a Complaint About L&G Collections

If L&G Collections have treated you unfairly:

Step 1: Complain to the Company

Write to: L&G Collections 1 The Green Richmond Surrey TW9 1PL

Keep a copy and note the date sent.

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 breaches of regulations:

• FCA Consumer Helpline: 0800 111 6768
• Website: www.fca.org.uk

Struggling With Multiple Debts?

If L&G Collections are chasing you, you likely have other financial pressures too. Consider these formal solutions:

Individual Voluntary Arrangement (IVA) - Write off up to 70% of debt with one affordable monthly payment. Legally binding protection from all creditors. Check if you qualify.

Debt Relief Order - Complete debt write-off for those with low income and few assets.

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

Frequently Asked Questions

Are L&G Collections a legitimate company?

Yes. They are a registered company (09517854). However, always verify any debt collector’s identity before making payments. Check Companies House and the FCA register.

Can L&G Collections affect my credit score?

The original debt will already be on your credit file. Payment arrangements or settlements can help your score improve over time.

Should I pay L&G Collections or the original creditor?

Check your correspondence. If the debt has been sold to L&G Collections, they are now the creditor. If they’re collecting on behalf of someone else, check who should receive payment.

What if I’ve never heard of this debt?

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

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

Will they give up if I ignore them?

Unlikely. Ignoring debt collectors usually leads to escalation - possibly court action. Even if you can’t pay, it’s better to communicate.

Can they call my workplace?

They should not discuss your debt with anyone else. They may call to reach you, but shouldn’t reveal why they’re calling or discuss details with colleagues.

Take control of your debt. Use our free IVA calculator to explore your options.