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Nationwide Debt Recovery Debt Collection – Should You Pay?


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

Nationwide Debt Recovery Debt

Are you fed up with being contacted by Nationwide Debt Recovery Debt Collectors? Are they chasing you about money you are unable to repay? Are you not sure if you owe the debt? Are the agents talking about taking you to court? If these apply to you and you want some help, this article is designed for you.

Beating Debt Collectors

There are several ways to deal with Nationwide 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.

Nationwide Debt Recovery Debt Collectors

Who are Nationwide Debt Recovery?

Nationwide Debt Recovery is also known as Black Horse. Black Horse Loans is one of the leading credit providers for motoor finance in the UK. The company has been in business since 2001 and currently work with more than 5000 most the dealers across the UK.

Nationwide also collect for the Shop Direct Group who own Littlewoods and

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Why are Nationwide Debt Recovery Debt Collectors contacting you?

There is no denying that the debt collection industry is big business. There are a wide range of types of debt collectors like Nationwide Debt Recovery Debt Collectors, including those which are independent businesses, those who work as a business arm of the original credit company, and sometimes even sole traders operate within the debt recovery industry. If you are being contacted by a debt collection company, you would be forgiven for not quite understanding how they operate.

The fact is that debt collectors such as Nationwide Debt Recovery Debt Collectors will purchase the debt from the original credit company (who you took out the loan/credit card etc with in the first place.) They buy the debt for a fee, which is sometimes as low as 20% of face value. The way they make a profit is by collecting payments on the debt. In fact, if they don’t get any payments, they have lost the money they spent purchasing it. Unfortunately, this means that they will often resort to underhand tactics to try and get you to pay the debt. The Office for Fair Trading (OFT, 2010) said that poor practices among debt collection agencies “appear to be widespread”.

How to find out if you owe the money?

If you are questioning the validity of the debt, either because you don’t think you owe it, or you have paid it off. You should request proof that it is your debt, and what the total cost is comprised of.

You may not recognise Nationwide Debt Recovery Debt Collectors, and this is because they are trying to chase the debt on behalf of another company. The cost may be higher than you remember too, as there will be charges and interest added. It could end up being much more than you previously thought.

In order to establish the debt and where it originated, as well as how the costs were incurred, you can write to Nationwide Debt Recovery Debt Collectors, and ask them to send you a copy of the original credit agreement. Until this time, you have no obligation to pay them.

What if I don’t want to pay?

Unfortunately, it is not as simple as you just don’t want to pay your debt. If you owe it, then you must make arrangements to pay it back. Obviously, the best course of action would be to pay it all of in the one go, as this would save you from having the stress of the debt and dealing with debt collectors like Nationwide Debt Recovery Debt Collectors. If you are unable to though, you can set up a repayment plan with the debt collectors, or perhaps, make a partial payment to clear off your debt.

Debt collectors and stress

Debt collectors often use a lot of different tactics to try and get you to pay back the money, many of which are not in line with the law. They may try to pressure you to pay, when you can’t afford it, or they may call you to the point that you feel harassed and under threat.

Of course, this is not a pleasant experience. Debt collectors such as Nationwide Debt Recovery Debt Collectors, can cause devastation to those suffering from debt problems. They may end up suffering from mental health issues as a result, and in some cases, people in debt have even contemplated suicide. The debt support trust stated that as many as 50% of those struggling with debt issues have considered suicide. An absolutely staggering and upsetting number. Debtors often feel upset about being chased by debt collectors, but they also feel humiliated about their debt problems. If you are suffering in this way, you are not alone, but thankfully, the government have stepped in to deal with debt collectors and their underhand tactics, which has at least helped the situation somewhat.

Nationwide Debt Recovery Debt Collectors and what the law says

The Office for Fair Trading (OFT, 2012) issued guidelines which debt collectors must follow. According to this new legislation, debt collection agencies, including Nationwide Debt Recovery Debt Collectors must do the following:

  • Ensure they treat debtors fairly and refrain from using any aggressive practices, deceit or generally improper behaviour.
  • Always be transparent and clear with any information they provide.
  • Show consideration towards the debtor and their situation.
  • Take the debtors circumstances into account when determining how to deal with the debt.

If you feel that Nationwide Debt Recovery Debt Collectors are not failing to follow these guidelines, then you may be able to report them to the OFT. The OFT may then take their license off them, if it is deemed appropriate.

If you wish to make a complaint about Nationwide Debt Recovery Debt Collectors, you can use this online complaint form.

You may find that debt collectors are saying they are an external agency when they are actually a business arm of the company you owe the money too. This is against the guidelines, as it is clear deceit, although it is highly likely that they will say it can be found somewhere in the small print.

Nationwide Debt Recovery Debt Collectors and how they operate

If you have a chance of standing up to debt collection agencies, you need to understand their motives.

They get bonuses

There are usually incentives for the agents who are chasing you about the outstanding debt, in the form of bonuses for payments. They may receive daily and monthly bonuses, and they might work under an extremely pressured environment. This doesn’t give them any reason to harass you though, but it does go some way to explaining why they can be so persistent. The last thing they want to result from the call is to record it as a “non-payment.”

Now that you understand why they can be threatening towards you, you will be in a stronger position to stand up to Nationwide Debt Recovery Debt Collectors and their antics. You will find that, in most cases, these threats are empty, and they actually can’t do most of the things they claim, such as entering your home.

Use of automated call technology

It can be tempting to just ignore Nationwide Debt Recovery Debt Collectors, as after all, if you ignore it long enough, they will simply go away, right? Wrong! Debt collectors never give up, as otherwise they are losing money. You can guarantee that they will keep trying, even using automated technology to try and reach you, so it is better just to speak to them and explain your situation.

If they are using automated technology, the frequency of the calls you receive from them, will probably be through the roof. This could be deemed as harassment, which goes against the OFT guidelines. You may want to inform the agent that you will be seeking advice from the Financial Ombudsman.

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

Why the sudden change?

You may speak to the agent and, at first, they might be pleasant and helpful, but you may find that they soon change their attitude, when they understand that you won’t be making any payments that day. This sort of change is a tactic which is designed to get you to feel embarrassed, overwhelmed and harassed, to the point where you just pay, even if you can’t afford it. They are not allowed to threaten you, and you shouldn’t pay if you can’t afford it. You should not feel that you have to pay, and leave yourself unable to pay your essential bills, such as energy, rent and mortgage. If they have been doing this, you can seek help from the OFT.

There is no doubt that it can be difficult to stand up to this kind of behaviour. You may not know what to say, or what to do when they approach you. If you feel that they are in any way making you feel under threat, you should report them to the OFT using this online complaint form.

They have spoken to third parties

Nationwide Debt Recovery Debt Collectors are not permitted to speak to anyone else about your debt, even if it is a family member. They may do this as a way of embarrassing you into speaking to them, or to alert other people’s attention to your financial situation, so that they encourage you to pay up. If they have spoken to anyone else about your debt, they are in breach of OFT guidelines, and privacy laws.

This behaviour should most certainly be reported to the Financial Ombudsman on 0800 023 4567 or 0300 123 9123

Visiting your premises

There may be occasions when debt collectors say that they plan to take matters into their own hands by visiting you at home to either take your possessions or simply ‘discuss’ the debt. They are not permitted to do this, so this is nothing but an empty threat. Under no circumstances can they access your property, without your permission.

Do not give them permission to come to your home, and if they threaten you in any way, you can seek help from the police, who will deal with the situation for you.

They may try to wear you down

Nationwide Debt Recovery Debt Collectors and other debt collectors will do their best to try and wear you down, so that you just pay up. It is difficult to stand up to the behaviour but if you have some courage and strength, together with the knowledge of the way they behave, you will be able to do this. If you are struggling with your debt, help is there for you. It is important to get out of debt, but you must do this in a way which will not be detrimental to your other priority payments.

Debt help is available

If you are in debt, you don’t need to suffer in silence. There is help available from commercial debt management companies, who charge a fee, and those who offer a free service to get you out of debt. It make more sense to use a free organisation, and there are various organisations who are reputable and will be able to support you, including:

  • Citizens Advice Bureau (CAB) offer extensive help with debt and will be able to provide you with support in stopping debt collectors contacting you if you can show that you are seeking help and are at least attempting to make repayments.
  • Christians Against Poverty (CAP) provide free debt help.
  • StepChange provides free online debt advice helping people take charge of their debt.

You can write off your debt

It can be possible to enter into an Individual Voluntary Arrangement (IVA). With this formal agreement you pay the debt collectors an affordable amount, either as a one-off sum or as monthly payments and the rest will be written off after a period of time, usually five years. The process must be carried out by an insolvency practitioner.

Find a local licenced IVA insolvency practitioner here.

Another option is a Debt Relief Order (DRO). You can only get this if you have £75 or less each month after paying your household expenses and you are not a homeowner or have assets over £2,000.

To apply for a DRO you will need to go through an authorised debt advisor. You can find a list of authorised debt advisors here.


There has been some significant changes to the guidelines but this hasn’t stopped some debt collectors behaving in an unacceptable manner. Often to the point where they are feeling depressed, anxious and vulnerable. This should never be the case, and you have the right to report them. Of course, it is important to pay your debt, but you should not be bullied or harassed about your financial situation. Debt collectors havea responsibility to show empathy towards you and your situation. If you feel they are not acting in a fair way, you can report them to the Financial Ombudsman, and they may even lose their licence.

Nationwide Debt Recovery Contact Details

Company Name: Nationwide Debt Recovery Ltd

Other Names: Nationwide Debt Collectors, NDR Debt

PO Box 55,
L2 2S

Contact Number: 0844 811 0112


Numbers they call from


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