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Churchill Recovery Debt – Should You Pay? 2022

churchill recovery

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

Should you pay Churchill Recovery Debt Collection after receiving one of their aggressive letters? That’s the big question we’ll be answering here, with lots of other hints and tips along the way. 

Beating Debt Collectors

There are several ways to deal with Churchhill Recovery debt collectors and improve your finances.

Choosing the right way to tackle your debt could save you time and money, but the wrong one could cause even more harm.

It’s always best to find out about all your options from a professional before you take action.

Fill out the 5 step form to get started.

What is Churchill Recovery Solutions Limited?

Churchill Recovery Solutions Limited is a debt collection company in the UK. They provide businesses with services to help collect unpaid invoices and account arrears. 

They do this by tracking and contacting the debtor, asking them to pay. They are likely to threaten legal action if you don’t pay. Churchill Recovery partners also provide legal advice to their clients in case they are open to chasing you to court. 

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Are Churchill Recovery Solutions bailiffs?

Churchill Recovery is not a bailiff company, despite advertising a doorstep collection service. They are not enforcement agents and have no right to come to your home and demand to enter. They cannot repossess your items to clear the debt. 

It is a serious offence for a debt collection company to suggest they are bailiffs when they’re not. Even suggesting they have these powers should be reported. First, make a complaint directly to Churchill Recovery, and then escalate your complaint to the Financial Ombudsman Service (FOS).

Who does Churchill Solutions Debt Collection work for?

Churchill Recovery Debt Collection works for a number of clients from different industries. They may work to collect arrears on behalf of telecommunications businesses, utility companies, loan providers and other creditors. 

They usually only make a profit on the service if you pay because they work for commission on your payments. This is why dealing with them can be so stressful. They may repeatedly contact you and previous reviews suggest they’re aggressive and rude.

Let’s take a look…

Feeling like Chandler?

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Churchill Recovery Solutions reviews

Here is a snapshot of what most reviewers have to say about Churchill Recovery Solutions:

“I spoke to these guys for the first time after receiving a letter. I spoke politely to what can only be described as a “jumped-up aggressive man”. He wouldn’t listen to me and you would think I personally owed him some money or something. Rude, unprofessional and aggressive.”

  • Ross H (Google review)

“Completely unprofessional. Shouting at me on the phone telling me they “don’t care” and I’m “not a customer”. Attempting to bully me to acknowledge a debt that may not be mine.”

  • Sophie (Google review)

Have you received a Churchill Recovery Solutions debt letter?

You’re probably reading this guide because you too have received a Churchill Recovery debt letter. This is a letter asking you to pay and threatening legal action if you don’t. The proper name for this letter is a Letter Before Action (LBA) because it is supposed to be the final opportunity to pay before the client takes legal action against you.


There is a chance that some legal threats are empty. They could be trying to scare you into paying when there is no real chance that their client wants to take legal action. But there is also a chance that they will. And for that reason, you should never ignore a Churchill Recovery debt letter. 

Should you pay Churchill Recovery Solutions?

You don’t have to pay Churchill Recovery Solutions straight away after receiving a debt letter. There is something else you can do, which doesn’t mean paying or ignoring them. And it could mean not having to pay. At the very least, it will buy you some extra time if needed.

Of course, if you know about the debt and would prefer to pay it off, there’s no reason not to do so. You can usually get in touch with Churchill and agree on a payment plan if paying it in one go is too much. You might even be able to make a debt settlement offer. 

Ask Churchill Solutions for proof you owe the debt

Instead of paying straight away, you can ask Churchill Recovery Debt Collection to provide proof that you owe the debt. This is also beneficial if you think they’ve got the wrong person. 

The proof they send back must be a copy of a signed contract or credit agreement when applicable. It should be enough evidence that you haven’t kept to an agreement with their client. Until they send this proof you don’t have to pay, and if they don’t send anything back, you can ignore their payment requests.

Keep copies of your communications so that a judge can see they never responded to your request – in case it goes to court. 

How do I ask Churchill Solutions for proof?

Ask Churchill Solutions to prove your debt by downloading our free prove-it letter template. You can use this template to structure your request, saving you time. 

Churchill Recovery proved my debt – next step?

If Churchill Recovery does reply with proof that you owe their client money, then you may want to pay. Not paying could lead to legal action taken against you and a judge ordering you to pay. This can incur more costs, and if you still refuse to pay, it could lead to bailiffs calling. 

A legal loophole to avoid paying Churchill Solutions

There’s one time when you shouldn’t ask for proof, and that’s when your debt has become too old to go to court. When debts cannot be taken to court, a judge cannot order you to pay and there’s nothing Churchill Solutions can do to enforce the debt. 

See if your debt has become too old to be recovered by reading this guide

Speak with a UK debt charity!

For further assistance pushing back against debt collection agencies, speak with a UK debt charity. They can provide tailor-made advice for your situation all for free. And don’t forget about our new debt help hub, providing free info for all debtors.

Are you struggling with debt?

Affordable repayments

Reduce pressure from people you owe

Stop interest and charges from soaring

Get started


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