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


Goodwins Credit Management – Should You Pay? 2022


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

Should you pay Goodwins Credit Management after receiving one of their scary letters? We discuss your options and how you might be able to get away without paying Goodwins Credit Management a penny. Read on to potentially save money and get clarity on the situation. 

Beating Debt Collectors

There are several ways to deal with 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.

Who are Goodwins Credit Management?

Goodwins Credit Management Limited is a debt collection company in the UK. They are a legitimate company that are members of the Credit Services Association. They have been operating for over 25 years. 

They offer services to individuals and businesses to collect arrears and debts. They will trace debtors and then repeatedly contact them asking them to pay. It’s likely that they’ll threaten court action if you don’t pay. They may charge a fee or commission for these services. 

Are Goodwins Credit Management bailiffs?

Goodwins Credit Management are not bailiffs. They are a debt collection agency which has no more powers to recover debt than their client that is owed the money. It’s simply a job of outsourcing the debt collection process. 

If Goodwins Credit Management suggest they are bailiffs or can take your possessions, you should report them to the Financial Ombudsman. They aren’t allowed to pressure you into paying, especially using lies. 

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Who do Goodwins Credit Management collect for?

Goodwins Credit Management offer its services to any business without exception. This means they could end up chasing debts for all types of businesses from different sectors. Some common debts they may chase include:

  • Credit cards
  • Utility bills
  • Telecommunications
  • Local authority debts
  • Payday loans

Goodwins Credit Management debt letter

You might get contacted by Goodwins Credit Management in various ways, including calls and texts. It all depends on the contact information they have received from their client, or what they have managed to track down themselves. 

The most important communication you’ll get from Goodwins Credit Management is a Letter Before Action. This is a letter that lets you know they might take you to court if you don’t pay. If you can’t pay in full they will encourage you to get in touch and discuss payment plans. 

Will Goodwins Credit Management take me to court?

You might feel anxious after being told they will take you to court, but will they really take legal action? It all depends on what their client wants to do, which may come down to the amount of money you owe.

The bottom line is that you can never be sure if they will actually start legal action. Sometimes they will and other times it’s just a tactic to make you pay faster. But it’s a risk to assume you won’t be taken to court.

Do you have to pay Goodwins Credit Management?

You don’t have to pay Goodwins Credit Management just because you received a Letter Before Action. At the same time, you shouldn’t ignore any letters and legal threats from them. So, if you don’t need to pay instantly and you shouldn’t ignore them, what can you do?

The best way to react to a Goodwins Credit Management debt letter depends on your situation. Below you can find two possible ways to reply to their Letter Before Action.

Check your debt can still be collected

The first thing you can do is check to see if the debt can be collected. Some debts become too old and cannot be taken to court. This is to prevent the courts from becoming overwhelmed with old debt cases. 

Without going to court over the matter, a judge can never order you to pay and there can be no consequences if you don’t. This is because bailiffs cannot be used unless a judge has previously ordered you to pay. 

These older debts are known as statute barred debts. They don’t automatically become written off, and can therefore still affect your credit score. But you don’t have to pay and can ask for it to be wiped. 

Ask Goodwins Credit Management to prove the debt

If your debt isn’t a statute barred debt, you can still reply without paying. 

Your reply should ask for proof that you owe the money they say you do. You aren’t obligated to pay the debt until Goodwins Credit Management sends you evidence, which should be a copy of a signed agreement when applicable. 

This is a good idea even if you think Goodwins Credit Management Ltd has made an error. It will force them to realise their own mistake and may stop them from wrongfully chasing you. 

MoneyNerd has made it simple and quick to ask for proof of the debt. Download our letter template which you can use to request proof from Goodwins Credit Management. 

What if they prove the debt?

If Goodwins Credit Management replies to your prove the debt letter with genuine proof that you owe the money, you should strongly consider paying off the debt. 

If you can’t afford to pay all of the money in one go, speak to them about a payment plan. But never agree to a payment plan you know you cannot afford. 

There are also alternative debt solutions which may be suitable and beneficial to you, especially if you have multiple arrears. You can learn about the most effective debt solutions at MoneyNerd. 

Personalised support when facing debt collectors

Pushing back against debt collectors can be daunting, especially if those debt collectors are aggressive and rude. But don’t give up. You can use the law and the tips above to help you fight back within your rights. 
More information on dealing with debt collection agencies is available through our debt help page. Or you can get free personalised support by speaking with a debt charity.

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