Top 3 Debt Collection Agencies According to Trustpilot

debt collection firms

Top 3 Debt Collection Agencies According to Trustpilot

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 (Jan-23).

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.


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So, just to be upfront and to clarify...

  • No Collection, No Commission
  • No Contracts to Sign
  • No Upfront Payments
  • No Monthly or Annual fees
  • Commission Rate Agreed Upfront
  • Commission Rates From 5% (Lowest Industry Standards)
  • No Additional Costs Unless Approved By You

So, Let's dive in.

  1. Safe Collections Ltd - Company Number: 01815264

Safe Collections Ltd are ranked No.1 on Trustpilot and the only Debt Collection Agency ranked as 5 stars – they have an impressive 265 reviews of which 3 are 4 star and the remaining 262 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.

  1. Nightfox Investigations and Debt Recovery Ltd - Company Number: 10248503

Nightfox Investigations and Debt Recovery Ltd are ranked No.2 on Trustpilot with a score of 4.9 based on 132 reviews. 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.

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

Whilst The Sheriffs Office isn’t your traditional debt collection agency it is only fair to include them as they are ranked No.3 on Trustpilot with a score of 4.6 based on 523 reviews. They are High Court Enforcement Officers & Certificated Enforcement Agents (Bailiffs). They were incorporated in 2007 and they are based in Wales. It is not clear if they collect debts as a traditional debt collection agency would and they are not regulated by the Financial Conduct Authority however, they are regulated by the High Court Enforcement Officers Association (HCEOA) and therefore they can enforce judgments and execute writs including all other regulated activity by the HCEOA should they provide this service. They are not members of the Credit Services Association however there is no legal requirement to be. It is not clear from their website if they provide a full suite of debt collection activities or any debt collection activities. See our article ‘High Court Enforcement Officers (HCEO) versus Debt Collection Agency?to see the differences.

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

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 85 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.

To request a quote, click on the link below or complete the form.

Call Athena Collections for Commercial Debt Collection in the UK

For Commercial Debt Collection Services in England and Wales, Call Athena Collections on 0203 865 9319 or use our simple online contact form. Our experienced Debt Recovery Team can assist you with any UK Commercial Debt issues, so please do not hesitate to contact our team on 0203 865 9319.

If you want further information about how we can possibly help, then fill in the form below and one of our representatives will contact you to discuss your requirements.

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