- Who are Ascent?
Ascent is the name used by Ascent Performance Group. This company is a law firm and part of the larger Irwin Mitchell group of companies. We specialise in debt recovery and act on behalf of a wide range of financial organisations within the United Kingdom, helping their customers to find solutions to repay their debts.
- Why have I received a letter from you?
One of our clients has instructed us to contact you in relation to an outstanding debt that you hold with them. It is highly likely that they have tried unsuccessfully to resolve the issue with you and they have now decided to place the account with a company that specialises in such matters.
- Where did you obtain my details?
Your creditor supplied all of your details to us when they passed the account over to us.
- I have received a letter addressed to someone else. What should I do?
We would appreciate it if you could give us a call on 0345 604 0860 to inform us that we appear to be sending mail to an incorrect address based on the information provided to us. If you know the person, any forwarding details you could supply would be helpful. Alternatively, you can return the letter to us, clearly marking the envelope with the words “Gone Away”.
- Is my home at risk of repossession?
Our intention is to work with you to avoid this. We can assure you that repossession is the absolutely last resort and like you, both we and our clients would much rather find another solution which avoids this happening. It is therefore very important that you contact us as soon as possible so that we can help you to resolve the situation. Ignoring the matter will increase the risk of your property being repossessed. Where appropriate, we may refer you to an independent source of advice who may offer specialist advice.
- What if I cannot afford to pay?
We urge you to contact us as a matter of urgency, no matter how severe your situation may be. Ignoring the situation could result in your property being repossessed and sold to repay your outstanding mortgage (or part of it). Calling us will allow us to help you to find a solution, or we may refer you to an independent source of advice who can offer you specialist advice for your particular situation.
- What happens if I don’t pay?
The most severe outcome could be that your home is repossessed and sold to repay your outstanding mortgage (or part of it). It is therefore very important that you call us to discuss your options and find a solution or alternatively seek independent advice.
- Will costs and / or interest be added to my debt?
Interest is likely to be continuing to accrue on your account, in-line with the agreement that you have with your lender and, in the event that it becomes necessary to commence proceedings to repossess and sell your property you will also be liable for the associated costs. It is therefore in your best interests to contact us as soon as possible to discuss your situation. There are ways to avoid these costs, if you act early enough.
- Should I use a debt management company?
It is our view that direct and prompt communication between ourselves and you is the best way forward in such matters. Debt Management Companies can, of course, offer you good advice, but there can often be long delays in them being able to discuss your case and then contacting us with a proposal. Due to the serious nature of your situation, it is important that you contact us so that we can discuss your situation and update our records if you choose to use a Debt Management Company. Failure to contact us may result in proceedings commencing to begin the repossession process.
- I use a debt management company now, what should I do?
It is important that you either call us and let us know their details or notify them about the letter that you have received and ask them to contact us, as a matter if urgency. Failure to contact us may result in proceedings commencing to begin the repossession process.
- I have another question.
If you have a question that cannot be answered above, please contact us on 0345 604 0860. Alternatively, you can send us a message
Home » Questions regarding my mortgage