Debt Collection in Jersey
SkyFall Collections Limited are here to help you with your debt problem, which we accept is stressful however we would ask that you are polite and courteous with the staff when telephoning.
If you become rude or insulting then this may result in the call being terminated without notice.
I have received a Summons, it was something that I had overlooked what do I do next?
You must make contact with SkyFall Collections as soon as possible. The fact that a Summons has been issued means that you will now have to pay the Court Costs as well as the orginal debt.
Can I prevent the action appearing on the Court List?
Yes you can, provided that SkyFall Collections receives cleared funds, for the debt together with Interest and all the Fixed Court Costs, no later than 5pm on the Thursday before the given Court date which is located on the top of the Summons.
I can't get cleared funds in that timescale?
If the payment is made before the Court date then the matter will still appear on the Court list but will be adjourned to allow for the payment to clear through the banking system. The payment will have to be for the original debt, associated Interest, Court Costs and Court Stamps.
I cannot pay the debt in full, am I able to make a payment agreement?
The simple answer is YES, SkyFall Collections will not tell you how much to pay, however, one of our friendly team will ask you the following:-
i) What amount you are able to realisically afford (please note; that you will be charged interest at the Court Rate)
ii) What frequency you are able to make your payments
iii) What is your preferred method of payment
Question: What are the payment methods?
There are several ways in which you can make the payments to SkyFall Collections:
By Debit Card over the phone (3.5% card fees are applicable); by Standing Order; by Bank Transfer, by Cash, by Cheque or you can request a dedicated
Paying-In book; (An administration fee is applicable for Paying in Books and for setting up a Standing Order and for administering small payments)
Question: I have agreed a payment plan, what happens next and do I have to go to Court?
It is your right to attend Court as detailed in the Summons however if SkyFall have received a payment prior to the Court date you will be advised by email that SkyFall will adjourn the matter in order for you to continue to make payments to SkyFall as agreed.
If SkyFall do not receive a payment before the Court date then the matter will not be adjourned and Judgment sought.
Question: Will SkyFall Collections remind me about my payments?
Yes, SkyFall Collections will give you call, or send you a text or send you an email to remind you of your payment, it depends on how you want to be contacted.
Question: What happens if I stop making my payments?
If you have been making regular payments and then default, SkyFall Collections will try and make contact with you to establish why payment has not been made, and with a view to you making continued regular payments. If you default again then you will receive a letter from SkyFall Collections returning the matter to Court where we will ask the Court to grant a Judgment against you for the balance remaining together with Interest, Fixed Costs and Stamp Duty.
Question: What does having a Judgment against me mean exactly?
In the event that a Judgment is given by the Court against yourself, or your company name, following the service of a Summons and payment arrangements have not been forthcoming or no contact has been made then your Credit Rating will be affected, moreover, if you do not make any payment propsals to settle the debt, the Court Costs and the Interest then the Judgment gives the Viscount the authority to arrest your wages or to liquidate your assets.
Question: Do you think I should get the help of a Debt Management Agency?
A word of caution. Debt Management Agencies are there to make money and by using their services they will be making money from you, whereas you could be using that money to reduce your debt. Your creditors are not obligated to deal with Debt Management Agencies as their repayment offers generally are not proportionate to the debt owing, and furthermore, they do not have to accept the re-payment proposals and therefore you could still have a judgment taken against you.
Question: I have setup a Standing Order will SkyFall cancel it when I have paid?
Once you have paid in full it is your responsibility to cancel the Standing Order. SkyFall are not able to instruct your bank for you. We will let you know when you need to cancel the Standing Order and you must do this as soon as we tell you.
"There is only one risk you should avoid at all costs - and that is the risk of doing nothing"
If you have any questions about Debt Collection in Jersey