Wescot Credit Services – Stop the Calls and Take Control of Your Debt

Have you received a letter, phone call or email from Wescot Credit Services? You’re not alone. Wescot is one of the UK’s largest debt collection agencies, acting on behalf of high-street banks, credit-card issuers, loan companies and utility providers. Before you agree to pay Wescot a penny, read this guide and learn how to protect your rights, lower what you owe and reclaim peace of mind.

At Fresh Start Debt Support we help people deal with Wescot every single day. Our mission is simple: provide free, confidential guidance that puts you back in control without judgement or pressure.

Who Exactly Are Wescot Credit Services?

Wescot Credit Services Ltd is a third-party debt collection agency headquartered in Hull. They collect outstanding balances for lenders such as HSBC, Capital One, and leading energy suppliers. Unlike debt-purchasing firms such as Lowell or Capquest, Wescot often works on commission: they chase payment on behalf of the original creditor. However, if the creditor sells your account, Wescot can become the legal owner of the debt.

Should You Pay Wescot Right Away?

No — not before taking these vital steps:

• Confirm the debt is yours. Mistakes happen. Request a full statement and proof of liability.
• Demand a copy of the original credit agreement under section 77/78 of the Consumer Credit Act.
• Check if the debt is statute-barred. In England, many unsecured debts become unenforceable after six years (five in Scotland) with no payment or written acknowledgement.
• Review your budget. Use our Debt Calculator to work out what you can realistically afford.
• Get specialist support. Speak to us for free, confidential guidance before signing any payment plan.

Can Wescot Take You to Court?

If ignored, Wescot or the original creditor can apply for a County Court Judgment (CCJ). A CCJ may lead to enforcement measures such as bailiff action, an attachment of earnings or a charging order on your home. The good news? Court action is typically a last resort and can often be avoided by engaging early and choosing a formal debt solution.

Which Debts Does Wescot Collect?

We see Wescot chasing:

• Credit-Card Balances
• Personal Loans and Payday Loans
• Catalogue Purchases & Store Cards
• Energy & Utility Arrears
• Council Tax and HMRC Debts
• Bank Overdrafts and Mortgage Arrears
• Gambling-Related Debts

Debt Solutions That Can Stop Wescot

Depending on your circumstances, one of these formal solutions may reduce or even write off Wescot debt:

• IVA (Individual Voluntary Arrangement) – One affordable payment over typically 60 months; remaining unsecured debt is written off at the end.
• DMP (Debt Management Plan) – Flexible, informal and ideal if your situation may improve.
• DRO (Debt Relief Order) – Stops enforcement and wipes qualifying debt after 12 months for those on low income with debts under £30,000.
• Bankruptcy – A fresh start if other routes aren’t suitable.

How to Stop Harassment from Wescot

Feeling bombarded by calls and texts? Follow these steps:

• Ask for contact in writing only – this gives you a clear paper trail.
• Keep records of every interaction.
• If Wescot ignores your preferences, lodge a complaint and copy in the original creditor.
• Read our guide on how to stop debt collectors.
• Let us negotiate with Wescot on your behalf.

Why Choose Fresh Start Debt Support?

We’re a focused, independent team (not FCA-regulated advisers) who put your needs first. With fewer clients than big national firms, we offer:

• Fast replies – often same-day
• Clear, jargon-free explanations
• An honest assessment of every option (compare them all here)
• Ongoing support whenever your situation changes