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I've been contacted by a Debt Collection Agency

If you have a debt and have been in arrears for a while, or you’ve been sent default notices, you’re likely to hear from a Debt Collection Agency.

This may sound intimidating but it isn’t anything to worry about and is a normal stage in the collection process for most debts. Debt Collection Agencies are there to help you.

What is a Debt Collection Agency?

Debt Collection Agencies are companies who specialise in collecting debts where the original creditor can’t get arrears repaid, and there are many in the UK. Below is a list of our Collection Agents phone numbers and we recommend that you contact them Monday to Friday between 9am – 5pm.

Allied International Credit – 0141 457 7040
Baker Tilly – 0808 178 4530
CapQuest – 0333 999 7219
Moorcroft Debt Recovery – 0161 475 2951
Robinson Way & Company – 0345 605 1363
Wescot Credit Services – 01482 484673
Cabot Credit Management – 0344 556 0263

What can a Debt Collector do?

Debt Collection Agencies are unable to do anything differently to the original creditor. They will work with you and act in your best interests, by looking at your incomings and outgoings to get a good understanding of your financial situation before agreeing to the most suitable repayment plan.

Collection agencies will use various methods to contact you such as letters, phone calls, text or email home. However, they’re not allowed to lie or mislead you about their legal powers or make an excessive amount of phone calls.

They could take court action if you don't pay, however this is less likely to happen if the collection agency is aware that you’re seeking help with your debts from an organisation like Payplan or the Citizens’ Advice Bureau, and you're willing to pay what you can manage.

What steps should I take?

If you have been contacted by one of our Debt Collection Agencies it will be best to contact them directly.