Knowing that i could deliver results quicker and better than anybody else.
We are a multi award winning service that has an unrivalled success rate, our success comes from Face to Face debt collection, unlike our competitors we do not waste time sending letters, making calls lets face it you can do that yourself and if it worked you would not need the service of a Professional debt collector such as ourselves.
We are adaptable however our success comes from face to face.
//cobrafinancial.co.uk/blog/why-face-to-face-debt-collection-works
Working relentlessly through 3 lockdowns taught us a lot, we have since built a Covid Compliance section
//cobrafinancial.co.uk/covid-19-compliance
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Face to Face Debt Collection Service
Discover your stress-free debt collection solution.
Specialising in business, personal and private debt recovery, Cobra’s team of expert debt collectors will visit your debtor, face-to-face, to reclaim what is rightfully yours.
So if you want your money back in your pocket, trust the UK’s number 1 debt collection agency to get the job done.
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DCS UK Ltd was incorporated in 2003 with an office in Mirfield, we took over County Credit Recovery Agency Ltd in 2009 and we have recently opened an office in Leeds as we are in the process of merging with another debt collection company.We provide a cost effective nationwide debt recovery service and currently work with a number solicitors who support us with our services. We also assist a number of Insolvecy Practices with the collection od book debts.We are members of The Credit Services Association and the Federation of Small businesses. Our services include the following but are tailor made to suit clients requirements:-Commercial and Consumer Debt Recovery, Book Debt Collection, Undisclosed Credit Control, Sales Ledger Management, Absconder Tracing, Credit Checks, Legal Services and Process Serving.
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.’
- 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.
- 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 . 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.
How do I know if a debt collector is legit UK?
Enquire about the origin of the debt, amount and name of the creditor. If the debt collector can offer such information in a consistent and accurate way, and you've looked them up online, then it is most likely a legit service.
How do I know if a debt collection letter is legit?
A legitimate debt collector should be able to tell you their company name and mailing address, as well as information about the debt they say you owe. The debt collector should provide information about themselves and their collection agency.
Should I pay a debt collector UK?
Do not ignore letters or calls from a debt collector. They will take further action if you do not reply. Some may ask you to pay back the debt in full or large instalments. You should only offer to pay them what you can realistically afford.
What is the best debt collector in the UK?
We've researched the top debt collection services in the UK and found Direct Collection Bailiffs Ltd to be the best overall, beating the competition with its speed and value for money. However, depending on your needs, other companies might be a better fit.