Dealing With Debt Collectors in the UK

If you're receiving calls, letters, or visits from debt collectors, you're not alone. Every day in the UK, thousands of people face the stress of dealing with aggressive collection tactics. But here's the truth: you have rights, and help is available.

At Fresh Start Debt Support, we specialise in helping people deal with debt collectors, bailiffs, and high-pressure creditors. Whether you’re being chased by companies like Lowell, Cabot, or PRA Group, or worried about doorstep visits, we’re here to help you regain control and protect your peace of mind.

Who Are Debt Collectors?

Debt collectors are companies hired to collect outstanding money you owe — often for credit cards, loans, utility bills, or council tax. Unlike bailiffs, they have no legal powers to enter your home or seize goods. But that doesn’t stop many from using intimidation or harassment to pressure you into paying more than you can afford.

Common names include:

Lowell Financial
Cabot Financial
Link Financial
PRA Group
Intrum UK

If you’ve heard from any of these or similar firms, we can help.

Your Rights When Contacted

Debt collectors must follow rules set by the FCA and cannot:

Call you at unreasonable times
Threaten to visit your home without proper notice
Discuss your debts with family or neighbours
Pressure you to borrow more money

We can help enforce your rights, stop unnecessary contact, and get breathing space from debt collectors.

How We Help You Stop Debt Collectors

Our team at Fresh Start Debt Support can:

Help you apply for the Breathing Space scheme to freeze interest and stop contact
Assist you in setting up an IVA or Debt Management Plan to consolidate debt
Advise you on dealing with bailiffs and court threats

Many of our clients feel instant relief once they take the first step — and you can too.

Common Questions About Debt Collectors

Can they take me to court?

Yes, but this process can take months. We can often stop it before it gets that far.

Can they enter my home?

No — only court-appointed bailiffs have that power. And even then, only under strict rules.

What if I ignore them?

Ignoring debt collectors usually makes things worse. Instead, speak to us and take control.

Can I get help if I’m on benefits or unemployed?

Absolutely. Many clients on low income or benefits still qualify for protection and support.

Will this affect my credit score?

It may, but doing nothing often damages it more. With the right plan, you can begin to rebuild your credit health.

Speak to a UK-Based Specialist Today

We don’t judge. We don’t share your data. We just help people like you start again. With over 10 years of experience and hundreds of happy clients, our support is trusted, fast, and completely confidential.

Use our secure form to check if you qualify for help — we’ll handle the rest.