---
title: "Debt Recovery Agencies in United Kingdom: 37 Listed by Nation (2026)"
canonical: https://debtcollectionagencies.org/united-kingdom/
dateModified: 2026-09-11
---

# Debt Collectors in the United Kingdom (37)

There are 37 debt recovery agencies listed for the United Kingdom in this directory as of September 2026, including CEA Limited, Creditreform UK, Frontline Collections. Consumer debt collection in the United Kingdom is regulated by the Financial Conduct Authority (FCA): firms collecting regulated consumer credit debts must hold FCA authorisation.

## Nations

- [England](https://debtcollectionagencies.org/united-kingdom/england.md)
- [Wales](https://debtcollectionagencies.org/united-kingdom/wales.md)

## Agencies

- [1st Locate / LCS](https://debtcollectionagencies.org/agencies/1st-locate-lcs/)
- [Advantis Credit](https://debtcollectionagencies.org/agencies/advantis-credit/)
- [Athena Collections](https://debtcollectionagencies.org/agencies/athena-collections/) | Low commission on monies recovered, no collection no fee
- [Cabot Financial](https://debtcollectionagencies.org/agencies/cabot-financial/)
- CDER Group (incorporating JBW Group)
- [CEA Limited](https://debtcollectionagencies.org/agencies/cea/)
- [CES](https://debtcollectionagencies.org/agencies/ces/) | 10% commission for debt collection; £79 compliance fee plus £80 court fee for HCE
- [Cobra Financial Solutions](https://debtcollectionagencies.org/agencies/cobra-financial-solutions/)
- [Court Enforcement Services](https://debtcollectionagencies.org/agencies/court-enforcement-services/)
- [Creditreform UK](https://debtcollectionagencies.org/agencies/creditreform-uk/) | No win no fee, commission on monies recovered
- CRS / PayCRS
- [DCBL](https://debtcollectionagencies.org/agencies/dcbl/)
- [Debt Collect UK](https://debtcollectionagencies.org/agencies/debt-collect-uk/) | From 2% commission, no collection no fee
- [Debt Collection Services Belfast](https://debtcollectionagencies.org/agencies/debt-collection-services-belfast/) | No collection, no fee; no minimum debt threshold
- [Federal Management](https://debtcollectionagencies.org/agencies/federal-management/) | Commission-based from 6%
- [Frontline Collections](https://debtcollectionagencies.org/agencies/frontline-collections/) | Commission-based from 8%, no collection no fee
- [Hay's Collections](https://debtcollectionagencies.org/agencies/hay-s-collections/) | No collection, no commission: 15% on recovered funds
- [Hilton-Baird Collection Services](https://debtcollectionagencies.org/agencies/hilton-baird-collection-services/)
- [IHJ Collection](https://debtcollectionagencies.org/agencies/ihj-collection/)
- Intrum UK
- [K2 Collections](https://debtcollectionagencies.org/agencies/k2-collections/)
- [Lovetts Solicitors](https://debtcollectionagencies.org/agencies/lovetts-solicitors/) | Letters before action from £1.50 plus VAT; no collection no fee for international
- Lowell
- [Marston Holdings](https://debtcollectionagencies.org/agencies/marston-holdings/)
- [MIL Collections](https://debtcollectionagencies.org/agencies/mil-collections/)
- Miller James | No collection, no fee
- Moorcroft Debt Recovery
- [National Recoveries](https://debtcollectionagencies.org/agencies/national-recoveries/)
- [Newlyn](https://debtcollectionagencies.org/agencies/newlyn/)
- [STA International](https://debtcollectionagencies.org/agencies/sta-international/) | No collection, no commission
- [Stenfield & Co](https://debtcollectionagencies.org/agencies/stenfield-and/) | No win no fee, no upfront fees
- [Taurus Collections](https://debtcollectionagencies.org/agencies/taurus-collections/) | No win, no fee; 3-10% of recovered amounts, £50 minimum fee for debts under £500
- [Top Service](https://debtcollectionagencies.org/agencies/top-service/) | No collection, no fee for recovery services
- Towerhall Solutions
- [Turner Clifford](https://debtcollectionagencies.org/agencies/turner-clifford/) | Commission-based, results-only, no retainers or upfront fees
- Walker Love (t/a George Walker & Co)
- [Wescot](https://debtcollectionagencies.org/agencies/wescot/)

## FAQ

### Do debt recovery agencies in the United Kingdom need a licence?

Consumer debt collection in the United Kingdom is regulated by the Financial Conduct Authority (FCA): firms collecting regulated consumer credit debts must hold FCA authorisation. Commercial debt recovery is not FCA-regulated, but court action follows the Pre-Action Protocol for Debt Claims in England and Wales.

### How many agencies are listed for the United Kingdom?

This directory currently lists 37 debt recovery agencies for the United Kingdom, last verified 2026-09-11.

### How do debt recovery agencies in the United Kingdom charge?

Of the 37 debt recovery agencies listed for the United Kingdom, 12 publish contingency (no collection, no fee) pricing, where the agency keeps a percentage of what it recovers and charges nothing if it recovers nothing. The remainder do not publish fee terms or quote per case.