For free and impartial money advice and guidance, visit MoneyHelper, to help you make the most of your money.


1st Credit Debt Collection – Must You Pay? Read Here First

1st Credit Debt Collection

For free and impartial money advice and guidance, visit MoneyHelper, to help you make the most of your money.

1st Credit Debt

Are you being harassed by 1st Credit Debt Collectors? Do you owe some money but you are unable to repay? Maybe they are asking you to repay debt you are not sure you even owe! Are you being threatened about being taken to court? If any of these or any related questions apply to you, this article is designed to help you.

It’s not your fault. Complaints to the Financial Ombudsman have risen this year from 830 to 2,006, so it’s safe to say that you’re not alone.

Deal with your debt today and feel amazing tomorrow.

Don’t worry, here’s what to do!

You could get rid of 1st Credit Debt Collectors by writing off some of your debt.

There’s several debt solutions in the UK, choosing the right one can take years off your debt, but the wrong one can be expensive and drawn-out.

Fill out the 5 step form to get started.

1st Credit Debt Collectors

Who are 1st Credit Debt Collectors?

1st Credit is one of the leading UK debt collection agencies. The company has more than 50,000 account holders and also provides debt management services.

They collect debt for companies like Co-op Bank, Vanquis, Halifax and Lloyds.

fight back when you get a debt collection letter

Why you are being contacted by 1st Credit Debt Collectors?

The phone rings and an agent from 1st Credit Debt Collectors is on the other side talking about some debt you owe! If you have not heard of this company before, you are likely to want to tell them to get off the phone and go and bother someone else! However, if you owe the money they are contacting you about, you have a responsibility to pay it.

The way debt collectors operate is simple. They take unpaid debt from other organisations, such as gas and electricity suppliers, credit card companies or payday lenders, and they start the process of chasing the debt on their behalf. They buy the debt, and pay a much lower fee for it than the face value. Although it can be difficult to get debtors to pay up, they can make a lot of money if they do! Unfortunately though, there are many debt collectors who are not exactly fair and proper in the methods they use to obtain the debt. They can sometimes be abrasive, disrespectful and even downright bullies!

check if you owe the money

Establish if the debt is yours

Don’t just pay the debt blindly without receiving confirmation that it is yours, as there is every chance that you have been sent it in error. If you don’t recognise the debt at all, it is even more important not to pay it until you have received confirmation. Remember though, the total cost will probably be more than you remember, as a result of charges!

In the first instance, write to 1st Credit Debt Collectors with a request for a copy of the original credit agreement. Do not pay until they have sent this and you are completely happy with everything you read.

Follow my ‘prove it’ guide with letter templates and get them to prove that you owe the money.

Feeling like Chandler?

how to debt

Is all this information starting to feel overwhelming? Don’t panic! There’s plenty of help available. You can get started below.

Fill out the short form

Why do I need to pay this debt?

Quite simply, if you owe the money, it is your debt and you need to pay up! It is not always plausible to make a full payment to the debt, and this is why most debt collectors allow you to make an arrangement to pay off the debt. They may ask to see your income and expenditure before agreeing to your suggested repayment plan, but they will usually be quite accommodating. There is also the chance that 1st Credit Debt Collectors will accept a partial payment to clear the debt.

How debt collectors can ruin your life

The consequences of dealing with debt

It is never easy dealing with debt, even if you don’t have too much of it. If you add debt collectors into the mix too, it can cause debtors to feel like they are no loner in control of their lives. In some cases, debt collectors use underhand tactics to try and get payments, including bullying and harassment.

If you have been contacted by1st Credit Debt Collectors, you may not know where to turn. Your debt may be spiralling and you might be fed up with the constant calls and abuse you have received from debt collectors. Worrying about finances can be devastating and it can have a real impact on the quality of your life. Some people have been left feeling humiliated and embarrassed about their debt, and they have also shared feelings of being trapped. In fact, the debt support trust even stated that some debtors feel like suicide is the only option for them, as they are so concerned about their spiralling debt problems. The debt industry has got so bad over the years, that the government had to take charge of the situation. They had to do something to stop people getting into debt and to stop lenders from treating debtors unfairly and making their situation worse.

1st Credit Debt and the Law

1st Credit Debt Collectors and the law

The Office for Fair Trading (OFT, 2012) introduced some guidelines specifically for the debt collection industry. These were designed for the purpose of ensuring debt collectors were treated debtors with respect and to stop spiralling debt problems. These are the main guidelines that 1st Credit Debt Collectors must follow:

  • They must always ensure debtors are treated fairly with regards to their debt, they should not be abusive or harass debtors into paying
  • They should be transparent with any information they provide to the debtor, and there should be no deceit used
  • Show understanding of the situation the debtor is in, and a bit of empathy towards them
  • Take account of the circumstances the debtor is in, before determining the best course of action to take

If you feel harassed or intimidated by 1st Credit Debt Collectors and that they are generally failing to follow the necessary regulations, you would have a strong case for reporting them to the OFT.

If you would like to make a complaint about 1st Credit Debt Collectors, you may wish to use this online complaint form.

You should be wary when dealing with debt collectors like 1st Credit Debt Collectors. Don’t just take everything at face value as many of them have a decency to lie to get the debt paid. Do not let them treat you unfairly or to try and deceive you.

Understand how they operate

Understanding how 1st Credit Debt Collectors work

It can be difficult to get to grips with debt collectors and how they operate, particularly if you had never had to deal with them before now. Let’s look at the main points about debt collectors, and what would be most useful to know about them.

They won’t give up

It may seem like a good solution to the debt problem to just ignore 1st Credit Debt Collectors. After all, they are likely to disappear and give up at some point. Unfortunately, this is not the case. They will not give up until there are no other means of reaching you, or the required 6 years timeframe has passed. Do you want to be chased for 6 years, or would it be easier just to speak to them and sort the situation out once and for all?

It is far better to just speak to them. 1st Credit Debt Collectors will be well aware of the fact that you might not be able to pay the debt right then and there, and in most cases, they will be able to work with you to find an alternative solution. Not speaking to them is where the problems arise.

They may try different forms of communication

You open your emails, there is one from 1st Credit Debt Collectors. The post arrives, and what do you find, a letter from 1st Credit Debt Collectors. This is common for debt collectors. They try every possible form of communication as they know that you will at least receive one of them! This tells them that if you are not responding, you are doing it deliberately!

If you are receiving an excessive amount of calls, emails or letters, it could be viewed as harassment. In this case, it would be a breach of the OFT guidelines. You can make a complaint by contacting the Financial Ombudsman and reporting them.

The Financial Ombudsman is available by phone on 0800 023 4567 or 0300 123 9123

They may become abusive

It is not right or fair but debt collectors have been known to become quite abusive towards debtors, when they realise they can’t afford to pay the debt they owe. They may try to humiliate you about your debt situation, and try to force you into paying. Of course, this can be seriously distressing and we wouldn’t blame you if this behaviour seriously affects your state of mind. It is important that you don’t just accept this as the ‘norm’ as it is anything but the norm! If they are exhibiting this behaviour, you should deal with it straight away by making a complaint. The whole idea is to try and break you down so that you get fed up and pay. Stand your ground on this one, and don’t make payments to them that you really can’t afford!

It is definitely not easy to put up with abuse or general unfair treatment, and if this is happening to you, we would suggest that you report it to the OFT using this online complaint form.

They may discuss your debt issues with third parties

Debtors already feel humiliated about their situation but can you imagine how much worse you might feel if you turn up at your workplace and the debt collectors have discussed your situation with your colleague! Unfortunately, this sometimes happens and when they do this, they are breaching the OFT guidelines as well as privacy laws. They should not discuss your debt with anyone other than yourself.

If they have spoken to someone else about your debt, you should report them to the Financial Ombudsman on 0800 023 4567 or 0300 123 9123

1st Credit Deceit and Lies

Can you trust debt collectors

It would be nice to think we could put all our trust in debt collectors, and have the knowledge that everything they tell us is true. However, this is often not the case. They are known to tell some lies along the way if it puts them in a better position to get payment. They may pretend they are a bailiff and hope that you don’t know the difference! This would mean they could come to your home and potentially take some of your goods as payment for the debt. They are not bailiffs though, and there is a big difference!

You should not allow 1st Credit Debt Collectors to come to your home, and if they do, you can turn them away. In the worst case scenario, if you are frightened that they will turn up unexpectedly, you can contact the police.

How to stand up to debt collectors

It can be easy to let your debt and debt collectors get on top of your. After all, they can be so demanding that it is difficult to even get rid of them. However, the important thing is that you stand up for yourself. Yes, this is your debt and of course, you need to pay it, but only in a way that is in line with your current situation. Don’t pay debt and end up with no food on the table. It should always be done in a controlled way. Do not worry or stress about debt, as there is always a way to deal with it.

Getting out of debt

Sometimes it is best to speak to a professional organisation for debt help. You can find organisations that provide the help for free, and others that charge a fee. As you are already in debt, we would suggest trying the free organisations first. If they can’t help then maybe look into the other options. These are some suggestions on organisations that can help with debt problems.

  • Citizens Advice Bureau (CAB) this is often the first port of call for people that need help with all sorts of issues, including getting out of debt. The staff are experienced and knowledgeable on debt, and will help you take steps to gain back control of your finances.
  • Christians Against Poverty (CAP) you can get free debt help and advice at CAP and get your finances back in the right direction.
  • StepChange provides free online debt advice and helps debtors deal with their debt in a controlled way.
Writing off your debt

The IVA solution

Many people sign up to an Individual Voluntary Arrangement (IVA) when they have substantial debt as it allows them to keep it all in the one place. With an IVA, you only make one monthly payment towards the entire debt and you may also have the chance to write some of it off! This process must be undertaken by an insolvency practitioner.

I’ve put together a 5 question form so you can get started in finding out whether an IVA might work for you.

Answer the five questions now.


If you have debt you need to pay it, that much is true. However, you are not there to put up with debt collectors that are being abusive towards you, or are harassing you for the payments. You need to take steps to pay your debt, but always in a controlled way. You should never refuse or ignore contact from debtors, but you should get proof that it is yours and reach an amicable arrangement to repay it. If they are bullying you in an way, you have the right to make a formal complaint. You can do this by getting in touch with the Financial Ombudsman and they will take the case over. In some instances, they may lose their licence as a consequence of their behaviour.

More details about 1st Credit Debt Collectors

Company Name: 1st Credit Limited

Other Names: 1st Credit Debt Collectors

The Omnibus Building
Lesbourne Road

Contact Number: 01737 237370
24 Hour IVR Payment Hotline: 0203 131 2356

Fax: 01737 887697


Email: [email protected]

Numbers they call from:



Who owns 1st Credit Limited?
1st Credit Limited changed its name to Intrum UK Limited on 1st March 2018.The company is part of the Intrum Group, the world’s leading debt collection and credit management agency.
Are 1st Credit Limited financially regulated?
1st Credit Limited, is authorised and regulated by the Financial Conduct Authority. The company’s registration number is 718918.
Do HMRC use 1st Credit Limited?
1st Credit Limited, does not collect debts on behalf of HMRC so they should not be getting in touch with you about any such debts.
Does 1st Credit Limited buy debt?
1st Credit Limited, collects dents on behalf of other organisations, but they mostly specialise in buying debts at a discount in the hope that they are more successful at collecting those debts than the original lender had been.
What happens if you ignore debt collectors?
It is never a good idea to ignore debt collectors. Firstly, they won’t give up anyway and will just keep contacting you and secondly, they may send doorstep collectors to your home.
Are 1st Credit Limited permitted to take you to court?
1st Credit Limited have the right to take you to court over the debt. If this happens, you will be sent a County Court Judgement letter.
Can you go to jail for debt collections?
You will never be sent to jail for debts owed to debt collection agencies.
What happens if I ignore a CCJ?
If you ignore a CCJ you won’t get sent to prison, however, bailiffs may be sent to your house to collect items equal to the value of the money that owe.
Can 1st Credit Limited issue you with an arrest warrant?
1st Credit Limited will not be able to issue you with an arrest warrant. They may be able to get bailiffs sent to your door though, and you could end up with a CCJ, if you don’t respond to them.
Are 1st Credit Limited bailiffs?
1st Credit Limited are debt collectors, not bailiffs. They can get a CCJ against you, but they can’t come to your property. They may say they are bailiffs but you can be assured that this is not the case.
Can 1st Credit Limited come to your property?
1st Credit Limited could potentially send someone to your property to try and recover the debt. However, they don’t have any legal powers so they can’t do anything if you send them home!
Can 1st Credit Limited force their way into your home?
1st Credit Limited will not be able to force entry, as they don’t have any legal power. However, if they get a CCJ against you, you could end up with bailiffs at your door, and thereafter, they may force entry.
Will 1st Credit Limited ever stop chasing the debt?
You can be sure that 1st Credit Limited will not give up chasing the debt until you speak to them. They will often chase it for up to 6 years.
Can a debt have an expiry?
A debt can have an expiry. The Limitation Act 1980 states that there is a maximum of 6 years to chase a debt. The 6 years years starts from the last time you made any payment or spoke to the creditor about the debt.
How long can you legally be chased for debt?
As per the Limitation action 1980, you can be legally chased for up to 6 years from the last payment you made or the last time that you acknowledged the debt. If a County Court Judgment is raised against you the Limitation Act will not apply and you can be chased forever.
Are debts ever written off?
Debts can be written off after the 6 years. You may also be able to get some debt written off by entering into an IVA.
How can I contact 1st Credit Limited?
1st Credit Limited, has a facility for chatting live on their website or you may be able to contact them via email. You can phone them although they do not have a freephone number. However, if you send them a text message they will call you back. Alternatively, you can contact them by post.
How do I pay 1st Credit Limited?
1st Credit Limited, has an automated phone line and an online portal where you can make card payments. Alternatively, you can pay by online banking, standing order, direct debit, or by posting a cheque or postal order.

Are you struggling with debt?

Affordable repayments

Reduce pressure from people you owe

Stop interest and charges from soaring

Get started


CONC 7.3 Treatment of customers in default or arrears (including repossessions): lenders, owners and debt collectors

CONC 7.9 Contact with customers


Are you struggling with debt?
Are you struggling with debt?
  • Affordable repayments
  • Reduce pressure from people you owe money to
  • Stop interest and charges from soaring