Who are Mil Collections? Are they Debt Collectors?

Mil Collections are basically debt collection agencies. Their main aim is to offer their clients a coherent debt recovery or even purchase services, based on Cornwall UK. You can also say that it is a business that runs after the unpaid debt for other businesses. The Mil Collections management has more than 20 years of experience in every facet of the debt recovery business. Now, let’s get to know who are Mil Collections.

Actions the Mil Collections Agency can take against a Debtor

Already mentioned above that Mil Collections is a debt collection agency in the UK. Hence, there is no difference between the legal power from the original creditor from where you have taken the loan. However, they don’t have the right to call you unnecessarily or even harass you, but they can run after you for repayment of the debt. 

If you are unable to pay back the debt due to some reason, they can even send the field agent to your home. The Mil Collections will respect any reasonable request made by you at a certain time and in certain conditions. The Mil Collections agents won’t have the right to enter your house and can’t even remove your goods without your permission. 

And, even if you don’t feel comfortable around them, then you can also ask them to leave, and they have to. They can also take certain actions listed below, but before doing it they must take permission from the court.

  • They can issue a county court judgement against you in case of any inconvenience. 
  • They can send agents who will collect goods from your house against the value of the debt. 
  • They can also apply for an attachment of charging order or earnings order against you. 

Can they come to my house to collect the Debt? 

The simple and plain answer to this question is ‘yes’. The Mil Collections has the right to appoint agents who will go to your house to discuss the alleged matter of debt. This overtakes and visits can be a headache for you and for your entire family. Even they might charge from you for these visits, which will definitely increase the debt you owe. 

Though they don’t have the right to enter your house without your permission. Even they can’t remove your good without your permission. But, the process of recovering debt from Mil Collections can be very stressful and can have a very negative impact on your mental and physical health. 

To avoid this mental stress a little you can also take a debt advice company into consideration and to speak for your interest. Thus, you don’t have to face them alone. Mil Collections is a highly established and independent debt service agency. Thus, they have the experience of dealing with the creditors and debtors. It is their responsibility to provide support to the creditors who are experiencing this issue with debt and to help them to get back on their financial track. 

What can a Debtor do if Mil Collections won’t stop calling?

Generally, Mil Collections won’t harass you unnecessarily. They work according to their set rules by the Financial Conduct Authority. There are certain things these agents or the debt collector cannot do. For example, they can’t threaten you with legal actions, they can’t send you letters that look like court orders (as they don’t have the right), and when your debt is being managed they can’t chase you. 

They have to work according to the code of conduct. Following are some of the listed things that the Mil Collections can do.

  • They can call you as many times unless and until you repay the debt. But, they can’t trouble you for this. 
  • They can discuss the debt with your family members and even with your employees.
  • Mil Collections agents do have the power to take legal action against you. 
  • The agents can even pressurize you to pay back the money even if it is by borrowing money from others. 
  • If the debt is too old, then they can demand payment by any means. 
  • If you contact any debt advice agency, it might be possible that the agents won’t give you time to consider your options. 

Rights You have against the Debt Collectors 

When the debt collectors or the agents are running after you, as the citizen of the United Kingdom you have certain rights to protect your family and to yourself. The things are listed below which will help you to understand things more rightly. 

  • Harassment 

The debt collector cannot harass you unreasonably, this is against the law. They can contact you as many times as they want, only if it is reasonable. But, you also need to keep in mind that you cannot use this as not to repay the debt, no you can do that. You can even ask the debt collector to contact you in written form, and you will respond to these letters as well. You should not use false harassment to play the victim card.  

  • Involvement of Family Members

Without your permission, the debt collector cannot speak to your family members, your friends, or even with your neighbour about the debt.  This is against the law of UK data protection. It might lead to mental stress for the person and his family members. 

  • Pretend to have Power 

As already mentioned above, they cannot send letters that look like court orders. The debt collector can not show the power which they don’t have. Earlier it was different, debt collectors used documents that used to look like official documents to collect a debt. But, now a new law has been placed to avoid this kind of thing. 

  • Threaten You 

At the end of the day, they are doing their job like everyone else. They cannot threaten you or abuse you or even they cannot lie to collect the money. They can talk and sort out things. Yes, it might be possible that the collection process may take time. 

How to pay the Debt to Mil Collections? 

Before you think of repaying, first you need to call them up and speak with the experts about this matter. They will guide and will give you the best payment solution. If you have any query or any questions do not hesitate to ask. It’s better to clear things out. It will help to know more about the solution. 

They will even help you to review your income and expenditure so that as per the present situation you can find an arrangement that will work. If you want you can use a debit card, credit card or any other mode of payment. 

If you see that they are providing door to door service, then you are advised to confirm their identity first. After verifying you can hand over the payment, but don’t forget to keep a receipt about the payment. 

What if you can’t afford to pay back the Debt? 

If you see that you can’t afford to repay the debt, then the very first thing you have to do is to speak with the agent to get a solution. They might offer you a number of choices, that are listed below.

  • Payment Plan

If you see that you are facing any kind of difficulties in repaying the debt, go and talk to the Mil Collections service agents. They can come up with a payment plan and even a timescale. The payment plan should be something that you can afford. You are advised to go with the payment plan where you can repay the debt within a particular time frame and without any extra charges. 

  • Write off the Debt 

You can write off the debt, but you need to follow the write-off scheme. Using the scheme you can reduce your debt and set a certain period for repayment. Different countries have different schemes like in England, Northern Ireland, and Wales they provide IVA which stands for Individual Voluntary Arrangement. It will combine all your present debt into one and the given time period is 60 months. 

Whereas in Scotland, they provide Protected Trust Deeds. It is almost the same as IVA only the time is 48 months. 

To get qualified for these schemes you should have certain things and that are listed below:

  • You need to have a greater liability than your asset.
  • You need to afford a minimum of 90 pounds every month.
  • You need to have a business in Scotland or must live in Scotland within the last 12 months. 


All information about who are Mil Collections is given in detail above. The information will help you. If you want to complain against Mil Collections, then you can do it through email or post or simply by calling.