Best Debt Collection Agency UK 🔝 Debt Collection Agency UK List ⬅️

So, if you are looking for a debt collection agency then you’ll be aware that it is a crowded marketplace.

Where do you start? Why are there different charging structures?

These are both great questions!

We are going to highlight the Top 3 Debt Collection Agencies according to Trustpilot as at the time of writing this review (Jul-25).

In this article, we'll give our fair and impartial view on the Top 3 Debt Collection Agencies according to Trustpilot and talk about the differences between the charging structures, the information you will need to consider before instructing a debt collection agency, and the questions you should be asking when deciding which one to use. And by the time you’ve finished reading this, not only will you have a clear sense for who to use, but you'll finally be on that path of getting your debt recovered – and be well informed!

With over 20 years of experience, We’ve come across the various methods that debt collection agencies use when offering their services.

Firstly, you need to be familiar with the different type of charging structures that Debt Collection Agencies use as described in our article No Collection, No Commission -Versus- No Win, No Fee

Disclaimer – Unfortunately, we cannot recommend any of these companies as we have not used any of them and our views are solely based on the information provided on their respective websites and on Trustpilot. Whilst we have no doubt these are highly reputable companies; we suggest you do your own due diligence before deciding on which Debt Collection Agency is right for you.

So, Let's dive in.

Safe Collections Ltd - Company Number: 01815264

Safe Collections Ltd have an impressive 323 reviews of which 4 are 4 star and the remaining 319 all 5 stars. They were incorporated in 1984 and based in Lancashire. It appears they provide a full suite of debt collection activities however they are no longer regulated by the Financial Conduct Authority which therefore means they cannot collect consumer regulated debts. They are also not members of the Credit Services Association however there is no legal requirement to be. It appears they charge a commission percentage for their services but it isn’t clear whether it is on a No Collection, No Commission or No Collection, No Fee basis, or other way. Their website states ‘At Safe Collections, we agree to a simple percentage fee that is only ever payable once we get your overdue invoice paid.’

Nightfox Investigations and Debt Recovery Ltd - Company Number: 10248503

Nightfox Investigations and Debt Recovery Ltd have 351 reviews with an average score of 4.9. They have 4 reviews with a score of either 1 or 2 stars, 2 with 4 stars and the remaining 5 stars. They were incorporated in 2016 and based in Lancashire. It appears they provide a full suite of debt collection activities however they are not regulated by the Financial Conduct Authority which means they cannot collect regulated debts. They are also not members of the Credit Services Association however, there is no legal requirement to be. According to their terms and conditions on their website, it appears they charge a subscription fee and a commission percentage for their services but it isn’t clear whether it is on a No Collection, No Commission or No Collection, No Fee basis, or other way.

Federal Management Ltd t/as Frontline Collections – Company Number: 05292720

Federal Management Ltd have 309 reviews with an average score of 4.8 although the official score on Trustpilot is 5. They have 12 reviews with a score of 1 star and 2 reviews with a score of 1 or 2 stars, the remaining 5 stars. They were incorporated in 2004 and and based in Lancashire. It is not clear if they collect debts as a traditional debt collection agency would but they are regulated by the Financial Conduct Authority - their website states 'No Collection - No Collection Costs to Pay!' - We are not entirely sure what this means. It also appears you have to pay 'a small instruction fee for our debt collector service plus a small commission on recovered cash'. They are members of the Credit Services Association

There you go, the Top 3 Debt Collection Agencies according to Trustpilot.

We would recommend not only looking at the 5 star reviews a company has but also the 1 star reviews.

It would be remiss of us not to mention ourselves as a comparison…

Here we go…

Athena Collections Ltd – Company Number: 10853122

Athena Collections Ltd currently has over 100 reviews on Google, all of which are 5 stars. We were incorporated in 2017 and based in Dorset.

Our main objective is to leave you with the choice to decide where to invest your hard earned cash once we have recovered the money rightfully owed back to you as quickly as possible and releasing the strain of cash flow, freeing up your time and releasing the stress.

We provide a full suite of debt collection activities from credit control or early arrears through to include litigation / insolvency (through our partnerships with solicitor firms) and post insolvency support (with our insolvency practitioner partners). We are regulated by the Financial Conduct Authority which means we can collect regulated debts. We are also members of the Credit Services Association and therefore adhere to their robust Code of Practice. We offer our services on a No Collection, No Commission basis and charge the agreed commission rate on monies successfully recovered. Our debt collection offering includes Business to Business (B2B) and Business to Consumer (B2C). Our terms and conditions can be found here.

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Athena Collections for the Best Debt Collectors UK

Debt Collection Agency List in England and Wales, Call Athena Collections on 0203 747 6719 or use our simple online contact form. Our trusted Best Debt Collection Agency UK resource can assist you with any needs such as top 10 debt collection agencies UK, so please do not hesitate to contact our team on 0203 747 6719