Top Debt Collection Companies UK ⬅️

Navigating the debt collection agency landscape can feel overwhelming due to the sheer number of options available. Where do you even begin? Why do agencies have varied pricing models? These are excellent questions to consider! Here, we’ll review the top three debt collection agencies based on Trustpilot data as of January 2023.

We’ll provide a fair and balanced look at these agencies, explain their fee structure variations, highlight factors to consider before hiring, and suggest questions to ask to choose wisely. By the end, you’ll know which agency to select, be ready to recover your debts, and feel informed. With over 20 years of experience, we’ve observed the varied approaches agencies take.

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To begin, you should familiarise yourself with the fee models described in our article *No Collection, No Commission – Versus – No Win, No Fee. Disclaimer: We haven’t used these agencies, so our insights come from their websites and Trustpilot reviews. While these firms appear reputable, we strongly recommend conducting your own research before choosing a debt collection agency. Let’s dive in.

Safe Collections Ltd – Company Number: 01815264

Safe Collections Ltd tops Trustpilot with a 5-star rating from 265 reviews, including 262 five-star and three four-star reviews. Formed in 1984 and operating from Lancashire, they seem to provide a wide range of debt collection services. They are not currently FCA-regulated, so they cannot collect consumer-regulated debts. They are not CSA members, though this is not required. Their website describes a commission fee charged only upon invoice recovery, but it’s unclear whether it’s a No Collection, No Commission structure or another model.

Nightfox Investigations and Debt Recovery Ltd – Company Number: 10248503

Nightfox Investigations and Debt Recovery Ltd is second on Trustpilot with a 4.9 rating from 132 reviews. Formed in 2016 and located in Lancashire, they seem to provide a full set of debt collection services. They are not FCA-regulated, meaning they cannot collect regulated debts. They are not CSA members, which is not compulsory. Their terms suggest a subscription fee plus a commission percentage, but the exact fee structure is unclear.

SHCE Ltd t/as The Sheriffs Office – Company Number: 06422666

The Sheriffs Office, while not a traditional debt collection agency, ranks third on Trustpilot with a 4.6 score from 523 reviews. Operating as High Court Enforcement Officers and Certificated Enforcement Agents, they were established in 2007 and are based in Wales. It’s unclear if they perform traditional debt collection, and they are not FCA-regulated, but they are regulated by the HCEOA for enforcing judgments and writs. They are not CSA members, which is not compulsory. Their website lacks clarity on whether they offer standard debt collection; refer to our article High Court Enforcement Officers (HCEO) versus Debt Collection Agency? for further insight.

That’s the top three debt collection agencies on Trustpilot. We’d be remiss not to highlight our own services for comparison.

Here’s our profile:

Athena Collections Ltd – Company Number: 10853122

Athena Collections Ltd has earned over 100 five-star Google reviews. Established in 2017 and based in Dorset, our mission is to recover your owed funds swiftly, reducing cash flow strain and stress. We offer a full spectrum of debt collection services, from credit control to litigation and insolvency support through partnerships with solicitors and insolvency practitioners. As FCA-regulated CSA members, we can collect regulated debts and adhere to a strict Code of Practice. We operate on a No Collection, No Commission basis, charging only on successful recoveries for B2B and B2C debts.

Athena Collections Ltd

5 out of 5 stars