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 use different pricing structures? These are excellent questions to consider! We’ll examine the top three debt collection agencies on Trustpilot as of January 2023.

Our aim is to offer an objective review of these agencies, clarify their fee structures, outline considerations before hiring, and suggest questions to ensure you choose wisely. By the end, you’ll know which agency to choose, be ready to recover your debts, and feel confident. Having spent over 20 years in the industry, we’ve seen the range of tactics agencies use.

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Start by understanding the fee structures in our article No Collection, No Commission – Versus – No Win, No Fee. Disclaimer: Our analysis is based on the agencies’ websites and Trustpilot reviews, as we haven’t used their services. Though they appear reputable, we advise thorough research before choosing a debt collection agency. Let’s begin.

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. Founded in 1984 and operating from Lancashire, they appear to offer a comprehensive debt collection service. However, they are no longer regulated by the Financial Conduct Authority (FCA), meaning they cannot handle consumer-regulated debts. They are not CSA members, which is not required. Their website indicates a commission-based fee structure, payable only upon successful invoice recovery, but the exact model—whether No Collection, No Commission or another—is unclear.

Nightfox Investigations and Debt Recovery Ltd – Company Number: 10248503

Nightfox Investigations and Debt Recovery Ltd holds second place on Trustpilot with a 4.9 rating from 132 reviews. Founded in 2016 and located in Lancashire, they appear to provide a full suite of debt collection services. They are not FCA-regulated, meaning they cannot collect regulated debts. They are also not CSA members, though this is not required. Their terms suggest a mix of subscription and commission fees, but the exact structure—whether No Collection, No Commission or another—is not specified.

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

The Sheriffs Office, not a typical debt collection agency, ranks third on Trustpilot with a 4.6 rating from 523 reviews. As High Court Enforcement Officers and Certificated Enforcement Agents, they were founded in 2007 and are based in Wales. It’s uncertain if they provide standard debt collection services, 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 mandatory. Their website does not confirm whether they provide typical debt collection services; see our article High Court Enforcement Officers (HCEO) versus Debt Collection Agency? for clarity.

And there you have it—the top three debt collection agencies according to Trustpilot. We’d be negligent not to mention our own services for comparison.

Here’s our profile:

Athena Collections Ltd – Company Number: 10853122

Athena Collections Ltd has over 100 five-star Google reviews. Founded in 2017 and based in Dorset, we aim to recover your owed funds quickly, easing cash flow and stress. We offer comprehensive debt collection services, from credit control to litigation and insolvency support through solicitor and insolvency practitioner partnerships. Regulated by the FCA, we can collect regulated debts and adhere to the CSA’s strict Code of Practice as members. Our *No Collection, No Commission model charges only on successful recoveries for B2B and B2C debts.

Athena Collections Ltd

5 out of 5 stars