Help with Swift Credit Services

If you've been contacted by Swift Credit Services, you may be facing pressure over unpaid debts. Whether you've received a letter, call, text, or even threats of legal action, you're not alone. Swift Credit Services is a well-known debt collection agency in the UK, but you have rights—and support is available.

Who Are Swift Credit Services?

Swift Credit Services Ltd is a UK-based debt collection agency. They act on behalf of creditors including utility companies, telecom providers, councils, landlords, and private lenders. In some cases, they purchase debts outright; in others, they act as a third-party agent pursuing repayment on behalf of a creditor.

They are authorised to contact you about the debt, but they are not bailiffs. They do not have the same legal powers as enforcement agents unless a County Court Judgment (CCJ) or similar legal order has been granted. However, Swift Credit may apply for legal action if debts remain unpaid.

Have You Received a Letter or Call?

If you've received contact from Swift Credit, it's important not to ignore it. Here's what you should do:

• Ask them for written proof of the debt
• Request a copy of any signed credit agreement
• Check the debt isn't statute-barred or unenforceable
• Get independent debt advice before agreeing to pay

Remember: you have the right to request information before making any payment. If the debt is legitimate, there may still be better ways to deal with it than paying in full under pressure.

What Happens If You Ignore Swift Credit Services?

Ignoring Swift Credit Services can lead to escalation. They may:

• Apply to the County Court for a CCJ
• Instruct High Court Enforcement Officers (bailiffs)
• Add fees and interest to the debt
• Damage your credit score for up to six years

However, if you enter an IVA or another recognised debt solution, this can stop all further contact and protect you from legal action.

Debt Solutions That Can Stop Swift Credit Services

At Fresh Start, we help people deal with Swift Credit and other collection agencies every day. Depending on your circumstances, you may qualify for one of the following solutions:

• IVA (Individual Voluntary Arrangement): A legally binding agreement that consolidates unsecured debts into one affordable payment. Stops all interest, court action, and collection contact.
• DMP (Debt Management Plan): A flexible, informal way to pay off debts gradually at a pace that suits your budget. Often includes freezing interest and stopping contact from creditors.
• DRO (Debt Relief Order): A low-cost insolvency solution for people with under £30,000 in debt, little to no assets, and low disposable income. Wipes qualifying debts after 12 months and halts enforcement immediately.

Your Rights When Dealing with Debt Collectors

It's essential to know that Swift Credit Services must follow UK debt collection laws. They:

• Cannot harass or threaten you
• Cannot enter your property or act as bailiffs without court instruction
• Must provide written proof of debt if requested
• Must treat you fairly under FCA guidelines

If you feel you're being mistreated, report them to the Financial Ombudsman Service. Or better yet—get help today and stop the stress entirely.

We Can Help You Stop Debt Collection Action

At Fresh Start Debt Support, we provide free, confidential advice to people struggling with Swift Credit Services and other debt collectors. Our team is friendly, non-judgmental, and here to help you take control of your finances.

We’ve helped thousands avoid court action, reduce their debt, and finally get peace of mind. If you're dealing with aggressive debt collection, now is the time to act.