---
title: "Debt Recovery Agencies in England: 11 Listed (2026)"
canonical: https://debtcollectionagencies.org/united-kingdom/england/
dateModified: 2026-09-11
---

# Debt Collectors in England (11)

There are 11 debt recovery agencies serving England in this directory as of September 2026, including Athena Collections, CES, Cobra Financial Solutions. 5 of them publish contingency (no collection, no fee) fee terms. 

## Agencies

- [Athena Collections](https://debtcollectionagencies.org/agencies/athena-collections/) | Low commission on monies recovered, no collection no fee
- [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/)
- [Creditreform UK](https://debtcollectionagencies.org/agencies/creditreform-uk/) | No win no fee, commission on monies recovered
- [DCBL](https://debtcollectionagencies.org/agencies/dcbl/)
- [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
- [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
- Towerhall Solutions

## FAQ

### How many debt recovery agencies operate in England?

This directory lists 11 debt recovery agencies serving England as of September 2026: 5 based in or focused on England and 6 national agencies that cover it.

### Is a licence required to collect debts in England?

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.