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


Village Investigations Ltd – Do You Have to Pay? 2022


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

Village Investigations Ltd or Vilcol send out threatening debt letters on behalf of their clients. These letters can be intimidating, and aggressive and make you feel like there is no other option but to cough up. 

But do you really have to pay Village Investigations Ltd after receiving a debt letter? We answer this question and other common questions to do with Village Investigations. 

Beating Debt Collectors

There are several ways to deal with Village Investigations 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 Village Investigations Ltd?

Village Investigations Limited, also known as Vilcol, is a debt collection agency based in Surrey. The company offers services to other businesses, where they claim to trace debtors and recover unpaid arrears with a 98% success rate.

It should be noted that they also offer separate services to track down people in the UK, who may be related to the clients, such as a long-lost half-brother.  

The company isn’t a scam and is authorised and regulated by the Financial Conduct Authority. You may think they’re a scam because you’ve never heard of them before so can’t possibly owe them any money. However, they’re chasing arrears or a debt owed to someone else and taking a fee or commission for their services. 

Are Village Investigations Ltd bailiffs?

Village Investigations Ltd isn’t bailiffs working to enforce court orders. Their involvement in the debt collection process is limited to pre-court action. Whereas bailiffs can only get involved after a debt has been to court and a judge permits the claimant to use enforcement action. 

Therefore, Village Investigations Ltd cannot claim that they can take your items to pay off the debt. If they do this, report them to the Financial Ombudsman Service. They could be fined as a result. 

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Who do Village Investigations Ltd collect for?

Their services can be used by any individual or company, but their website states that they usually help:

  1. Finance companies, which may include credit card and personal loan companies
  2. Individuals trying to recover an unpaid invoice
  3. Landlords chasing rent arrears

They also claim to have helped over 5,000 clients. This means they could be working on behalf of a wide network of businesses from different industries. 

Village Investigations Ltd reviews

Most of the online reviews about Village Investigations Ltd are from clients rather than debtors. And they have mixed feelings about Vilcol’s services. Here is an example:

“Rude/arrogant/aggressive customer service, but generally competent and reasonable value otherwise”.

  • Paul Wilkinson (Google review)

Have you received a Village Investigations Ltd debt letter?

Once Village Investigations Ltd has tracked you down – if required – they’re likely to send you text messages, emails and call you to ask for full payment. They are likely to listen to your payment plan offers as well. But the most important communication you could receive from Village Investigations Ltd is a debt letter, officially called a Letter Before Action (LBA). 

This letter will ask for payment but it will also threaten legal action if you don’t pay by a deadline set by them. This can be a scary letter to receive, especially when you’ve never heard of Village Investigations Ltd or Vilcol before. 

Will Village Investigations Ltd take me to court?

Village Investigations Ltd won’t take you to court themselves, but their client may press ahead with court action if you don’t pay. Although, their client might have no intention of taking the matter further, especially if the amount owed is insignificant to them. Even when this is the case, Village Investigations Ltd may still threaten legal action to scare you into paying swiftly. 

There’s no way of being 100% sure of the client’s intentions. And for that reason, you shouldn’t assume that you won’t be taken to court, even if you only owe a small amount. 

Do you have to pay Village Investigations Ltd?

You might have to pay Village Investigations Ltd eventually, but you don’t have to pay them just because you received a Letter Before Action

This doesn’t mean you can ignore their letters. As stated above, there is always a chance you could be taken to court if you don’t react to their legal threats. 

So, if you don’t have to pay and you shouldn’t ignore the letter, how should you reply to Village Investigations Ltd?

Ask Village Investigations Ltd to prove the debt!

You should request proof that you owe the debt that Village Investigations Ltd is requesting you pay. You can do this easily by writing them a letter back. They must respond with a copy of a signed contract or signed agreement before you are obligated to pay. If they ignore your request you can ignore any future communications from them. 

But keep copies of your request in case the matter still goes to court. You can use our free template to create your prove the debt letter. It’s free to download and will save you time. 

Is your Village Investigations Ltd debt collectable?

There’s also a chance that the debt Vilcol are trying to chase isn’t even recoverable. Many older debts are banned from going to court, known as a statute barred debt. When a debt cannot go to the courts, a judge can’t order you to pay and you’ll never be made to pay by anyone, including bailiffs. 

You should check to see if your debt is too old to be collected and if this legal loophole can get you out of having to pay. Do this before requesting proof of the debt! 

FREE debt support is available

Personalised help dealing with Village Investigations Ltd is available through one of the stellar UK debt charities. Speak to people at National Debtline or StepChange for discreet and professional advice based on your circumstances. 
And don’t forget about our debt info page, which packs even more punches for your fight back against debt collection agencies!

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