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Swift Credit Services Debt Collection

Have you received letters or phone calls from Swift Credit Services Debt Collection stating you owe money on unpaid council tax, parking fines, or other council related arrears?

Although Swift Credit Services also work for private businesses, they are most known for chasing local council debts.

If you’re unsure how to deal with Swift Credit Services ltd or simply can’t afford the debt, this guide will show you exactly what you need to do.

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 better tomorrow.

Who are Swift Credit Services Debt Collection?

Swift Credit Services ltd are an enforcement and collections firm who work on behalf of clients including HMCTS, council tax, and commercial rent arrears.

Based in Merthyr Tydfil, Swift Credit Services are also bailiffs regulated by the Civil Enforcement Association. This means they may come to your home if the debt goes unpaid (more on this later in the guide).

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:

Write off up to 85% of your debts

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

What is the total amount of your debt?

Why are Swift Credit Services Calling Me?

The local council in Merthyr Tydfil use Swift Credit Services, so you may receive letters from this firm regarding unpaid council tax, parking fines, etc.

However, they also work on behalf of private individuals such as landlords to collect rent arrears as well as unpaid invoices. 

Are Swift Credit Services a Scam?

With so many postal scams circulating these days, it’s wise to question any debt collection letter you receive.

However, Swift Credit Services Debt Collection are a legitimate debt collection business and so their letters should never be discarded as spam!

Should I Just Ignore Swift Credit Services

You should not ignore calls or letters sent by this debt collection firm. If their letters go unanswered for long enough, they may send agents to your home, which can be an intimidating experience.

Here’s a case study from FlickyHecky:

“This morning at 7am i went to feed my cats and empty the litter tray. After I did this there was a knock at my door, i thought it was my neighbour, but no, it was a bailiff and I was given no warning!

Didn’t know who he was at first, but once he told me why he was here he basically walked inside, started spouting stuff about fees and payment, I was completely disoriented by all this.”

Instead, it’s best to respond as quickly as possible to prevent further action being taken. We’ll cover what you should include in your correspondence later in the guide.

Find your best debt solution (in 1 minute!)

debt solution

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. If you’re eligible for the new government scheme, you could write off up to 85% of your debt! Answer the four questions now.

How Do I Stop Swift Credit Services Calling Me?

Although phone calls and letters from a debt collector can be annoying and stressful, they are legally required to make reasonable attempts to contact you.

Because of this, there is no way to prevent them from contacting you altogether. But you can state your preferred contact preferences if you’d prefer to only deal with them over the phone or by post, for example.

Swift Credit Services Debt

How to Make a Complaint Against Swift Credit Services ltd

Although debt collectors do have the right to contact you, many overstep the line and their actions could be classed as harassment.

First make a complaint with the firm directly:

Post: Marston, PO Box 12019, Epping, CM16 9EB


If you don’t hear back or you’re unhappy with their response, you can escalate your complaint to the FCA.

To escalate the complaint, you need a record of the original complaint with Swift Credit Services as well as evidence of harassment or mistreatment.

What Legal Action Will Swift Credit Services Take Against Me?

If Swift cannot get in touch with you or you refuse to pay the debt owed, they do have the power to take you to court.

However, they will do all they can to recover the debt from you directly without involving the courts first.

Here is the process of legal action Swift Credit Services Debt Collection will take:

  1. Send letters to get the debt paid directly
  2. Call your home to get the debt paid directly
  3. Send a default notice letting you know your account is closing and giving you two weeks to settle the debt
  4. Get a County Court Judgement issued
  5. Send bailiffs to your home to recover goods in the amount owed
  6. Apply for an attachment of earnings to recover the debt from your wages
  7. Apply for a Charging Order to secure the debt against your house (this is an unusual last resort)

Will Swift Credit Services Send Bailiffs to My House?

 Although Swift Credit Services ltd are regulated enforcement officers, they cannot send bailiffs to your house without first obtaining a warrant and giving you written notice.

You should receive a letter stating that a warrant has been granted and that bailiffs will be visiting your property in two weeks time.

Also, this will not be their first course of action. Bailiffs are only required if you don’t come to other arrangements with the debt collectors first.

Do I Have to Agree to Swift Credit Services Terms?

Debt collectors usually try to get the debt paid upfront and in full. But this doesn’t mean this is your only option.

In fact, if you cannot afford to pay the debt, or doing so would put you in further financial hardship, you should not pay the amount requested.

You are within your right to negotiate a payment plan or reduced amount with Swift Credit Services.

If they refuse to come to an agreement with you, there are plenty of options available which we will look at below. 

What if I’m Not Sure if I owe the Debt?

Whether or not you believe the debt to be legitimate, there are a few simple checks you should always carry out before making a payment:

  1. Check your credit score –  if the debt is in your name, it will be listed on your credit score.
  2. Ask Swift Credit Services to prove the debt – they should be able to send you original copies of the signed agreement.
  3. Check if the debt is Statute Barred – this means that enough time has passed that they can no longer legally enforce payment from you (find out more about Statute Barred Debt here).

What If I Can’t Afford to Pay Swift Credit Services?

Never take on more debt to pay off Swift Credit Services. Instead, there are many debt management options available, depending on your circumstances:

Snowball Method

If you have money left over after paying all your bills and necessities each month, you can use the snowball method to pay down debt quickly.

Find out if this is the right option for you here.

Full and final settlements

If you have a lump sum of money, you can negotiate a lowered final settlement with Swift Credit Services if paid upfront. Make sure to start with a lowball offer to pay as little as possible.

Find out more about full and final settlements here.

Get a refund on the loan

In rare cases, you may be able to get a refund on the loan if you can prove that the original lender mis-sold you the loan. For example, if they let you take on debt knowing that you didn’t have the funds to make the monthly payments.

Find out if this is an option for you here.

What if I have Multiple Debts?

If you’re struggling to pay the minimums on multiple debts each month, there are several other options:


You may be eligible for an Individual Voluntary Arrangement (IVA). This consolidates all of your outstanding debt into one low, affordable monthly payment.

Find out if writing off your debt is the right option for you here.

Debt Management Plan (DMP)

A DMP is good for anyone who has had a sudden change of circumstances, for example, losing a job. It allows you to pay less than the minimum on your debts each month while freezing all interest rates to allow you to catch up.

Find out if a DMP is right for you here.

Debt Relief Order

A debt relief order is better if you have less than £20K of debt, a very low (or no) incomes, and do not own a home.

Find out more about Debt Relief Orders here. 

Still Not Sure How to Deal with Swift Credit Services Debt Collection?

It’s stressful receiving letters and calls from a debt collection agency. Often, it feels like you’ll never be out of debt. But there are plenty of options available to help you avoid getting into further debt.

If you’re still exploring your debt management options, head to our full guide to find out what other options are available.

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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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