If you are being contacted by Central Debt Recover Unit Debt Collectors, and you feel that they are hassling you, or you just want to know how to handle them, this article is for you. We will give you a better understanding of who they are and how to deal with them appropriately.

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.

Central Debt Recovery Unit Debt Collectors

Who are Central Debt Recovery?

Central Debt Recovery are based in the UK and are a registered debt collection company. They buy debt from both small and large organisations, and they provide debt management services.

Don’t worry, here’s what to do!

You could get rid of debt collectors by writing off your debt. I’ve put together a 4 question debt calculator which will tell you if you’re eligible:

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This 4 question debt calculator will tell you if you’re eligible.

What is the total amount of your debt?

What are the reasons for contact by Central Debt Recovery Unit Debt Collectors?

If Central Debt Recovery Unit Debt Collectors are contacting you, it is because you owe money to an organisation they are dealing with. It may be debt you are unaware of or have completely forgotten about. Either way, it is imperative that you speak to the debt collection company when they contact you.

The way these organisations work is that they buy the debt from other companies, and this is why they are so keen to get in touch with you to arrange a repayment. They may go to extreme lengths to get hold of you, including frequent calls, emails and letters. Although it is frustrating, you should take steps to pay your debt back as otherwise, you will be dealing with this contact for a long time to come.

Is this your debt?

You should clarify whether this is your debt before you start making payments to Central Debt Recovery Unit Debt Collectors.

If you don’t recognise the debt, you should get evidence in the form of an original credit agreement. It may be more than you think with fees and interest being added. If the debt collection company are unable to provide evidence, you should not pay the debt, unless you know it is definitely yours.

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

Find your best debt solution

how to debt

Is all this information starting to feel overwhelming? Don’t panic! I’ve put together a 4 question debt calculator so you can quickly and easily find the best solution for you. Answer the four questions now.

What if you can’t pay?

If you’re having financial problems and can’t pay the debt back to Central Debt Recovery Unit Debt Collectors, you should be honest with them about your situation. You may be able to pause the debt for a period of time until your financial situation improves. If you can pay even a little, that will be beneficial.

How to deal with debt collectors

Sometimes debt collectors will go to extreme lengths to get you to pay back debt, even if you can’t afford it. It’s important that you understand your rights when it comes to dealing with debt companies. They should not be causing you stress and anxiety. These are some ways to deal with debt collecting agencies like Central Debt Recovery Unit Debt Collectors.

Keep calm

It is important to have some perspective when dealing with your debt issues. Although it’s a difficult situation to deal with, debt problems can be resolved and it is best to stay as calm and composed as possible.

Try to make payments

If possible, try to set up a payment plan with Central Debt Recovery Unit Debt Collectors and even better if you can clear the debt completely. You should not ignore the debt, as it won’t go away, and you’ll just feel even more stress and pressure when the debt collection agency continues to chase you.

What to expect from Central Debt Recovery Unit Debt Collectors

A set of guidelines was published by The Office for Fair Trading (OFT, 2012) for debt collection companies. This included the responsibility of debtors to be treated fairly, and not to be subjected to aggressive behaviour. Debtors should receive clear information and clarity on any questions, as well as evidence to support any claims about outstanding debt. Debt companies should also treat debtors with respect and empathy.

If they fail to comply with these guidelines, a complaint can be made to the OFT, who may decide to revoke their license.

If you wish to make a complaint about Central Debt Recovery Unit Debt Collectors. This online complaint form can be used.

Make sure you know your rights and whether the debt collection agency is complying with the regulations.

Why are Central Debt Recovery Unit Debt Collectors continuing to contact you?

It is important to understand how debt collection agencies like Central Debt Recovery Unit Debt Collectors work, if you have any chance of working out why they do what they do.


The advisers who are contacting you will usually receive some sort of incentive based on how much debt they recover. This is why they are so keen to get hold of you and will often phone you up continuously until they finally reach you.

When you understand this, it can give you a better perspective on why they keep contacting you, and it may make you more likely to speak to them.

It’s their job

If you owe the money, you should pay it back and the advisers contacting you are only doing their job. However, they should not harass you. This includes incessant phone calls, emails, letters or even text messages in some cases.

If they do this, they could be in breach of the OFT guidelines. You can tell the agent that you will report them to the Financial Ombudsman if they are breaching the regulations.

You can contact the Financial Ombudsman by phone on 0800 023 4567 or 0300 123 9123

Debt collection agency tactics

Debt collection agents can go from one extreme to another. They may start off in a pleasant manner, but if you can’t afford to make payments, they may soon change their attitude. It is important to stand up for yourself, and not get too upset by debt management companies. If you feel you are being treated unfairly though, you can use this online complaint form to report them.

Speaking to other people

Debt collection companies such as Central Debt Recovery Unit Debt Collectors, should not speak to other people about your debt. This breaks regulations and privacy laws. If they do this, you can speak to the Financial Ombudsman on 0800 023 4567 or 0300 123 9123

Threatening behaviour

If the debt collection agency contact you about your debt and threaten you in any way, such as saying they will visit your premises, you have every right to tell them they cannot do this, and contact the police if you need to. They don’t have any right to threaten you about the debt, and they shouldn’t.

Keeping calm under pressure

If Central Debt Recovery Unit Debt Collectors are contacting you about the debt, you should know that the law is on your side. No matter what size our debt problems are, they can be resolved, and debt collection agents have no right to put you under extreme pressure. When dealing with them, you should remain calm and composed, as difficult as it may be.

Free support with your debt

Luckily there is several debt management companies who provide a free debt management service. These include:

  • Citizens Advice Bureau (CAB) who can give you advice and information on dealing with debt issues.
  • Christians Against Poverty (CAP) is another free debt help service.
  • StepChange provides free online debt advice and they are renowned for helping people take control of their debt.

When you can’t afford to pay it back

If you want to write off the debt, you can enter into an Individual Voluntary Arrangement (IVA). With this, you can reach an agreement to pay a one-off sum or monthly payments and the remainder of the debt will be written off. You will not be able to get access to credit for a period of time while you’re in this arrangement, usually five years.

I’ve put together a 4 question debt calculator so you can quickly and easily find the best solution for you. If you’re eligible for the new government scheme, you could write off up to 85% of your debtAnswer the four questions now.

What else you need to know

There have been many warnings from government and professional bodies about debt collection agencies and unacceptable behaviour. You should not refuse to pay debt if you owe it, but you can agree to pay a specific amount that you can afford each month. If you are being bullied by the debt management company, you can report them to the Financial Ombudsman, who may take thier license.

Central Debt Recovery Unit Contact Details:

Company Name: Metropolitan Collection Services Ltd

Other Names: Central Debt Recovery Unit, Payment Services Bureau

PO Box 5338
Coventry District Service Centre
Binley Business Park
Harry Weston Road

Contact Number: 0345 609 0545

Fax: 0121 4552997

Numbers they call from:



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

CONC 7.9 Contact with customers

About the author

Scott Nelson

Scott Nelson is a financial services expert, with over 10 years’ experience in the industry, including 6 years in FCA regulated companies. Read more
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