Fresh Start Debt Support
If you’ve searched for Swift Credit Services because you’ve received a letter, text, phone call or email, take a breath—you have rights and there are calm, practical steps that work. At Fresh Start Debt Support we help you stabilise essential bills, reduce pressure using fair rules and Breathing Space where appropriate, and—if it suits your situation—gather everything into one affordable payment via a Debt Management Plan (DMP), an IVA, or a DRO.
This page is written specifically for people dealing with Swift Credit Services (debt collectors). You’ll learn what they can and can’t do, how to reply without over-promising, how to check whether a balance looks accurate, and how to build a budget you can defend. We’ll link to plain-English guides like Stop Debt Collectors, What is debt collection? and Compare Solutions so you can choose a route that fits your life—not just today’s stress.
Start My Free Swift Credit Services CheckWant to explore first? Try our Debt Calculator or read What We Do.
Take clear photos of any envelope and letter. Note the reference number, dates, balances and any deadline. Good records make it easier to correct mistakes and to set realistic terms with Swift Credit Services.
Protect your home and household first: council tax, energy/utilities, and housing costs like rent or mortgage arrears. When essentials are secure, we can shape a fair proposal for Swift and any other creditors.
Use our Debt Calculator to map your income and real-world spending (commuting, childcare, energy, food). We’ll refine it with you so the number you offer is sustainable—no more juggling or guesswork.
Written communication creates a clear trail. Where appropriate, we help you use Breathing Space—a legal pause on most collection activity—so you can finalise a long-term route without constant pressure.
We’ll compare DMP, IVA and DRO to bring Swift Credit Services and other creditors into one affordable plan where suitable. See Compare Solutions for a quick overview.
Tell Me My Best OptionSwift Credit Services is a debt collection agency. They contact people when an original lender, utility provider, retailer or service company asks them to collect a debt—or when the account has been purchased by a group connected to Swift. That’s why your letter might mention a bank, card, loan, catalogue/BNPL, telecom or utility alongside Swift’s name.
Debt collectors like Swift Credit Services are not bailiffs. They cannot enter your home or take goods. If a creditor wanted to enforce a judgment, separate legal steps would be needed first. Keep things in writing, stay polite, and focus on what is truly affordable.
Ask Swift for a written breakdown: the original creditor, agreement/reference, dates, and how the balance was calculated. We can help you check whether the amount looks right before you set any payments. See What is debt collection? for how accounts move between firms.
Have Us Check Your Swift LetterWhen a fresh letter lands, it’s tempting to phone and offer a high amount just to stop the messages. That often backfires next month. Instead, switch to calm, written steps that protect your budget and create a clear paper trail.
Request details in writing and confirm the balance and reference. Ask them to send future messages in writing while you seek debt support. This is reasonable and reduces pressure.
Complete the Debt Calculator and we’ll refine allowances for food, energy and travel. A defendable budget helps you set terms that last.
“Hello, I’m seeking debt support. Please confirm the balance, original creditor and reference in writing. I’ll send an affordable proposal once my budget is complete. I prefer written communication.”
Get a Tailored Response TemplateKnowing your rights keeps conversations calm and practical.
You can request written contact. Keep communications polite and brief. Don’t agree to unaffordable payments just to end a call—written proposals based on a proper budget are stronger.
Ask Swift for information about the account and how the balance was calculated. If something doesn’t add up, we’ll help you query it properly in writing.
If you’re vulnerable (e.g., health condition, disability, recent bereavement, pregnancy, single parenthood without support), tell Swift in writing and ask for reasonable adjustments to communication. We can help you phrase this sensitively.
Where appropriate, we use Breathing Space to pause most interest and collection while we build your long-term plan.
Ask About Breathing SpaceMost people hearing from Swift also have other arrears—credit cards, loans, catalogues/BNPL, overdrafts, and utilities. When it fits, we bring everything under one roof so life gets simpler and your money goes further.
One affordable payment shared across creditors. Many will consider freezing or reducing interest and charges (not guaranteed). DMPs are flexible if income fluctuates.
A formal agreement where you pay what’s affordable for a set term; remaining eligible unsecured debt may be written off on successful completion.
For low income/low assets with qualifying debts. Includes strict eligibility; debts are usually frozen for 12 months then written off if your situation hasn’t improved.
See Compare Solutions for a quick side-by-side. Then ask us for a tailored recommendation based on your numbers and goals.
Get My Personalised PlanSave every letter, text and email. Photograph envelopes and keep a simple log of dates and reference numbers.
Stabilise council tax, energy and housing (rent / mortgage) first.
Use the Debt Calculator and we’ll refine it so it’s realistic and defendable.
Ask Swift to write. Keep everything in one folder so you can reference it easily.
Where appropriate, Breathing Space reduces pressure while your plan is prepared.
Propose a payment only after the budget is complete.
We’ll weigh DMP, IVA and DRO—pros, cons and timelines.
If you’re also hearing from Lowell, Cabot, Moorcroft, Advantis, Link Financial, Capquest, Wescot, Resolvecall, Hoist, Robinson Way, Fredrickson, Moriarty Law, Drydensfairfax or PRA Group, we’ll include them where suitable.
Dates, actions and promises. A clear timeline helps if anything needs challenging later.
Income and bills change—DMPs are typically flexible; IVAs have variation processes.
Follow the Action Plan with a SpecialistSometimes a very old balance resurfaces. Don’t rush to pay before you’ve checked the details. Share the letter with us and we’ll help you understand what the timeline shows and what to ask Swift in writing. Accuracy first—then affordability.
Upload details via our quick form. We’ll help you shape a clear, calm response that protects your position.
Check an Old Swift BalanceYour budget must reflect your life—rent/mortgage, council tax, energy, commuting, childcare, food and a small buffer for the unexpected. A rushed arrangement that ignores these costs often breaks next month and causes more contact. We build stability first, then solutions.
We protect housing, energy and council tax to reduce escalation and emergency costs. Then we make sustainable offers to non-priority debts via a DMP or, where appropriate, a formal route like an IVA or DRO.
DMPs are typically flexible; IVAs include variation processes. We’ll help you adapt sensibly so your plan stays realistic across the year.
Get a head start with the Debt Calculator. It’s a fast way to test what’s doable before you speak to us.
Build a Budget I Can KeepKnowing how major lenders behave helps you plan. Explore our lender pages:
If your account has been sold or assigned, we’ll help confirm who owns it now and route communication correctly—reducing spin and stress. If other collectors are involved, see our calm guides for Lowell, Cabot, Moorcroft, Advantis, Link Financial, Capquest, Wescot, Resolvecall, Hoist, Robinson Way, Fredrickson, Moriarty Law, Drydensfairfax and PRA Group.
Get Help Dealing with My LendersFact: A rushed promise that breaks next month usually makes things worse. Build the budget first and then propose a number you can keep.
Fact: Swift Credit Services are debt collectors, not bailiffs. They cannot enter your home or remove goods.
Fact: We routinely include Swift accounts within a wider plan—DMP, IVA or DRO—where suitable, so everything moves together.
Share a few details and we’ll explain which options fit your numbers and timeline.
Get Personalised GuidanceCollectors themselves don’t decide outcomes alone; they can pass the account back to the creditor or to solicitors who may consider court action. Our aim is to stabilise essentials, open written dialogue and propose an affordable plan early.
No. You can request written contact. Written communication keeps a clear record and reduces pressure.
Only pay an amount that’s affordable long-term. Token payments given under pressure can derail priority bills. Build your budget first, then propose a number that lasts.
Ask Swift for a statement and details of how charges were calculated. We’ll help you review it and respond appropriately.
Breathing Space can pause most interest and collection activity while a plan is put in place, where you’re eligible. We’ll explain timing and next steps.
Usually yes, if the debt is eligible. We’ll check and explain how each option would treat the balance and what the trade-offs are.
We’ll tailor your route to your income pattern. DMPs are often flexible; IVAs have variation processes. We’ll help you choose the steady, realistic path.
You can begin now—share a few details via our quick form and we’ll guide you through your next best steps.
Ask a Debt SpecialistDay 1–2: You get a letter from Swift Credit Services. You photograph everything, including the envelope. You avoid making promises under pressure.
Day 2–4: You complete our quick JotForm. We start a short fact-find and prioritise council tax, energy and housing. We gather details across the board, including other debts.
Day 5–7: Together we build a realistic budget with the Debt Calculator. Where appropriate, we help set up Breathing Space so pressure reduces while your plan is finalised.
Week 2: We compare DMP vs IVA vs DRO and choose the route that fits. You get wording to send to Swift and any other collectors.
Week 3+: Creditors—including Swift—are incorporated where suitable. You make one affordable payment. If circumstances change, we review and adjust where the solution allows.
Follow This Path with Our HelpScams exist. If you receive a call or text that feels pushy, slow things down. Verify in writing. Ask Swift to confirm the reference, original creditor and balance in a letter or email. Never share bank details at the door or under pressure.
Upload a photo of the letter via our form and we’ll help you word a safe, written verification request.
Verify a Swift ContactUtility and telecom arrears can build fast. We’ll help you create a plan that protects current usage while dealing with the arrears sensibly. For energy in particular, using the right allowances and evidence matters.
Give us the basics via the quick form and we’ll get to work on your side.
Sort My Utility/Telecom ArrearsThese ideas keep things calm and on-record. We’ll tailor them once we see your figures.
“Please note I prefer written communication only. Confirm the balance, original creditor and reference in writing. I am seeking debt support and will send an affordable proposal after completing my budget.”
“Due to my circumstances I find calls/doorstep contact difficult. Please record that I may be vulnerable and confirm reasonable communication adjustments in writing.”
“Based on my current budget and essential bills, I can afford £X per month. Please confirm bank details and that interest/charges will be paused where possible.”
Get Tailored TemplatesHigh promises made during a call often fail next month. Budget first, proposal second.
Don’t raid rent, energy or council tax to make a token payment. Stabilise essentials before setting offers.
Photograph letters, save emails as PDFs and keep a simple log. It makes everything easier later.
Complete the Debt Calculator and send us your numbers. We’ll draft the first message to Swift for you.
Avoid the Common PitfallsOur aim is simple: protect essentials, cut stress and move everything into a plan you can sleep on.
Start My Free Swift Credit Services CheckWhen you’re ready, we’re ready—on your terms and timeline.
Speak to a Specialist