Are Lewis Group Debt Collectors contacting you about an outstanding debt? Are you not sure where to turn? Are they threatening you about court action? Our article has been designed to help you understand who these debt collectors are and how to deal with your debt.

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.

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Lewis Group Debt Collectors

Who are Lewis Group Debt Collectors?

Lewis Group is a debt collection company registered in the UK. They specialise in corporate debt collecting and work with clients across the UK. The company is registered and regulated in the UK.

Lewis Group collect money for companies like:

  • Lloyds
  • TSB
  • HSBC
  • Natwest
  • Blackhorse
  • Arrow Global
  • Capitol One

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:

Find your best debt solution

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

What is the total amount of your debt?

fight back when you get a debt collection letter

Why are Lewis Group Debt Collectors getting in touch?

Lewis Group Debt Collectors are a debt collecting agency who chase up debt on behalf of other organisations. You may have never heard of this company before, and you might be wondering why they are contacting you, and it will be down to owing another company, such as a credit card company or bank.

These debt collectors buy the debt from another company, and they won’t make a profit until they start getting payments in from debtors. This is why they are persistent when they contact you. They want to get their money back and make a bit of profit, so they will keep on until they hear back from you.

Do I owe the money to Lewis Group Debt Collectors?

If you don’t recognise the debt, you should ask for written confirmation of the original credit agreement from Lewis Group Debt Collectors. You should never pay back money you don’t recognise, as there could be a mistake and you don’t actually owe the money. There is no reason why Lewis Group Debt Collectors should not be able to provide you with your original agreement.

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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 don’t want to pay?

If you have the money to pay back the debt you owe Lewis Group Debt Collectors, you should do this. It affects your credit rating if you don’t pay it back, and it will also just cause you stress if you are constantly being chased for the debt. You won’t need to pay it all back, you can set up a repayment plan to suit your budget.

Are debt collectors causing you stress?

Debt collectors will go to extreme lengths to get their money and this may even include harassing you or using threatening behaviour. They may say that they will come to your door and take away your belongings to repay the debt. They are not permitted to do this so don’t worry if they make these threats, they are empty and you can call the police if you feel under pressure.

What the law says about debt collectors

There are guidelines from The Office for Fair Trading (OFT, 2012) about debt collectors and what they can and cannot do. This is some of the legalities around debt collection agencies.

  • They must treat debtors fairly and be honest and fair in their practices.
  • Any information must be clear, concise and not confusing for debtors.
  • Debt collectors should be empathetic towards debtors circumstances.

If Lewis Group Debt Collectors are contacting you about debt, and they are not adhering to the guidelines, the OFT may remove their license.

If you want to make a complaint about Lewis Group Debt Collectors, you can use this online complaint form.

Debt collectors have a responsibility to be open and honest at all times, they should be adhering to the regulations at all times.

How to deal with Lewis Group Debt Collectors

If Lewis Group Debt Collectors are on your case about your debt, these are ways to deal with the situation.

Make payments

When you have confirmation that the debt from Lewis Group Debt Collectors is yours, you should not ignore the debt. It won’t go away. Instead, you should speak to them about the debt and either pay it off or set up a repayment plan. The best thing to do is pay it off or at least make partial payments, and the sooner, the better!

Stick to your payment plan

If you set up a payment plan, make sure you stick to it. The worst thing you can do is arrange to make payments and not adhere to the plan. The debt collection agency will lose trust in you, and they may start hassling you again.

Although debt collectors have the right to contact you, they must adhere to the OFT guidelines. They should not be contacting you persistently, and if they do, you can contact the Financial Ombudsman.

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

How to deal with their tactics

There are so many tactics deployed by debt collection agencies and it can be difficult to know how to deal with these. It may include, persistent calling, telling lies or even harassment. If they are doing this, you should stay calm, make arrangements to pay back the debt, and if you wish, you can tell them to stop contacting you, or only via the communication channels that suit you.

If you wish to report a debt collection agency, you can report them to the OFT using this online complaint form.

Talking to others about your debt

Has an agent from the debt collection company spoken to your colleague or member of your family about your debt? If so, they are breaking privacy laws, as well as others and you can get report them.

If you are affected by this behaviour, contact the Financial Ombudsman on 0800 023 4567 or 0300 123 9123

Why do they tell lies?

Quite simply, debt collection agencies such as Lewis Group Debt Collectors want their money and they will do whatever they can to get it.

This may include, contacting you profusely, and even threatening to visit your home to discuss the debt or to take your assets.

This is unacceptable behaviour and if they are doing this, you can contact the police to get them to take action.

Don’t get stressed out

Debt collectors such as Lewis Group Debt Collectors can put an enormous amount of stress on you, especially if you are suffering from financial problems. The best thing to do is to deal with them in a calm, composed manner, no matter what they are saying to you. Getting stressed about the situation will do more harm than good.

Getting help with debt?

If you are worried about debt, and are not sure where to turn – there are lots of options available for people just like you. There are commercial debt management companies, as well as not-for-profit organisations and the not-for-profit should be your first port of call. Commercial companies are those who will make money from helping with your debt.

  • Citizens Advice Bureau (CAB) are one of the most popular organisations for providing help with debt.
  • Christians Against Poverty (CAP) will give you free debt advice and support on managing your debt.
  • StepChange provides free online debt advice and helps people deal with their debt.

What if you can’t pay?

If you have no means of paying your debt, you can enter into an Individual Voluntary Arrangement (IVA). With an IVA you make repayments and write off some of your debt. It is best for debtors who have no means of paying their debt, or those with substantial debt, as you won’t be able to get credit for around 5 years in most cases when you enter into this.

Looking for a local licenced IVA? You can find an insolvency practitioner here.

If you have less than £50 left after you have paid your living costs and expenses, you can enter into a Debt Relief Order (DRO).

If you wish to apply for a DRO you need an authorised debt advisor. Here is a list of authorised debt advisors here.

What else you need to know

Never make debt collectors make you feel uncomfortable or distressed about your debt. They are there to get payments, but they should show a degree of empathy towards your situation. If they are not doing this, and they are causing you stress, you can get report them and get advice. In some cases, they may lose their license for this behaviour.

The Lewis Group Ltd
Debt Collectors Contact Details

Company Name: The Lewis Group

Other Names: Scottish Bureau of Investigation, Robinson Way, Hoist Finance, Howard Cohen & co

Lawrence House
Riverside Dr
BD19 4DH

Phone: 01274 852 000



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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