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CINCB Personal FAQs

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Frequently Asked Questions

Personal Credit Clients

  • I can’t pay in full, what can I do?
  • How can I pay CINCB?
  • What happens if I can’t pay anything at all or stop paying?
  • Can I continue to pay the original creditor direct?
  • I’ve sent payment as agreed, so why have I had an arrears letter?
  • I have a complaint about the handling of my account, what do I do?
  • I do not agree with the debt amount showing, what do I do?
  • The debt listed against me is not my debt, what do I do?
I can’t pay in full, what can I do?

You need to work out a realistic payment plan that you can afford.  Then call or email us with your proposal and we will consider your proposal. To enable us to have a better understanding of your circumstances, please complete our Personal Budget Worksheet.

How can I pay CINCB?

Cash, Visa or Mastercard debit or credit cards, checks, PayPal, Western Union.

What happens if I can’t pay anything at all or stop paying?

Depending on your circumstances, we may instruct our attorneys to take action. Alternatively, a field collector may visit your home. If you cannot pay, please contact us to discuss your circumstances; we are in a better position to act appropriately if we are fully informed.

Can I continue to pay the original creditor direct?

It is best that all payments are directed to us. This will avoid any delays in payments being processed and ensure that no unnecessary collections action is taken by us.

I have made payments that are not showing or have already paid my debt in full.

Please advise us of the payment date, the amount of payment and payment details such as cheque number and we will investigate the payment and try to resolve it as quickly as possible.

I’ve sent payment as agreed, so why have I had an arrears letter?

Your payment may have crossed in the post with the arrears letter. Please call us using the number on your arrears letter and we will advise you.

I have a complaint about the handling of my account, what do I do?

Any complaints are treated seriously and are responded to personally by one of our Managers. If you have a complaint, please call or email us and we will deal with it in accordance with our standard procedure.

I do not agree with the debt amount showing, what do I do?

Advise your Collection Specialist assigned to your account and they will be happy to investigate the account to resolve it as quickly as possible.

The debt listed against me is not my debt, what do I do?

Please complete the Dispute a Debt form listed on this website and we will start an investigation with the creditor and report back to you with the results of our findings.



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