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Swift Credit Services Debt – Do You Need to Pay? 2022


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

Have you been sent letters or phone calls from Swift Credit Services Debt Collection stating you owe money on council tax, parking fines, or you have other unpaid debt?

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 amazing tomorrow.

Beating Debt Collectors

There are several ways to deal with Swift Credit Services 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.

Swift Credit Services Debt Collection

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).

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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!

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Is all this information starting to feel overwhelming? Don’t panic! There’s plenty of help available. You can get started below.

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Should I Just Ignore Swift Credit Services

You should not ignore the correspondence sent by this debt collection company. If their letters go unanswered for long enough, they may send someone 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.

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

Email: [email protected]

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 not have the right to take you to court.

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

This is the process for legal action from Swift Credit Services Debt Collection:

  1. Send letters to get the debt paid directly
  2. Call your home to get the debt paid directly
  3. Give you a default notice notifying you that the account will be closed with two weeks notice to clear the account
  4. Issue a County Court Judgement
  5. Direct bailiffs to your property to recover some of your goods to make up the debt
  6. Send for an attachment of earnings in an attempt to recover the debt from your salary
  7. Apply for a Charging Order which will secure the debt on your property (this is usually a last resort)

Will Swift Credit Services Send Bailiffs to My House?

 Although Swift Credit Services ltd are regulated enforcement officers, they are not permitted to send bailiffs to your property without being able to provide a warrant, together with 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 never be the first step. Bailiffs are only required if you don’t come to other arrangements with the debt collectors first.

Will I Need 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. Understand your credit score –  if the debt is listed under your name, you will be able to find it on your credit score.
  2. Ask Swift Credit Services to provide evidence of the debt – they should be able to provide you with an original copy of the agreement.
  3. Check if the debt is Statute Barred – if it statute barred, too much time has passed and they are no longer able to force you to pay the debt (find out more about Statute Barred Debt here).

What If I Am Unable to Afford to Pay Swift Credit Services?

Never take on more debt to pay off Swift Credit Services. Instead, there are other options for debt management, and these will depend on your individual 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 the lowest offer possible for payment.

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 Many Types of Debt?

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


You might be able to apply for an Individual Voluntary Arrangement (IVA). This option allows you to consolidate the entire debt into one monthly payment, that is affordable for you.

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

This is most suitable if you have 30K of debt, or less, have a low or no income, and you must also not be a homeowner.

Find out more about Debt Relief Orders here. 

Are You Still Unsure of 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 looking at your debt management options, head to our full guide where you will find all the possible options available to you.

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