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Facing 1st Credit Debt Collection can seem overwhelming. However, you might not actually have to pay them with your hard-earned money. The key is not to ignore them during the debt recovery process. It is because doing so could spiral into something you’d much rather avoid. 

So, what will be next? Stay with me. I’m about to reveal your options to help you deal with and beat the 1st Credit Debt Collection.

Warren Marshall
Last updated on 15 August 2023
Fact Checked

Table of Contents

1. Who are 1st Credit Debt Collectors?
2. Why Are You Being Contacted by 1st Credit Debt Collectors?
3. Establish if the Debt is Yours
4. Establish if the Debt is Enforceable
5. Why Do I Need to Pay this Debt?
6. The Outcomes of Managing Debt
7. 1st Credit Debt Collectors and the Law
8. Understanding How 1st Credit Debt Collectors Work: A Deep Dive
9. How Do I Make a Complaint Against 1st Credit?
10. Can You Trust Debt Collectors
11. How to Stand Up to Debt Collectors
12. Debt Solutions for you
13. Strategies to Escape from 1st Credit Debt
14. 1st Credit Debt Collectors Contact Details
15. Other Debt Collectors
16. Completing the Circle
17. Key Points
18. FAQ


Who are 1st Credit Debt Collectors?

1st Credit is a reputable and renowned debt collection agency in the UK. They purchase debts from companies you might have defaulted on, 

Such as 

1. Credit card companies,
2. Banks,
3. Or utility providers.

It’s their job to recover the money on behalf of these organisations. You may wonder how they obtained your contact information. Rest assured, and it’s a standard procedure and entirely legal. They are given your details by the original Credit company that you owe money in the first place. 

The organisation has over 50,000 customers and also offers debt management services. Intrum UK has purchased 1st Credit Debt Collectors as of 2017. They recover debt for:

  • Co-op Bank
  • Vanquis
  • Halifax
  • Lloyds

Why Are You Being Contacted by 1st Credit Debt Collectors?

If you are contacted by 1st Credit, you have an unpaid debt they have taken ownership of. They purchase the debt at a lower price than the actual amount and then aim to collect the full amount from you. The communications you receive are a legal part of the process to recover that debt. 

You may be able to avoid 1st Credit debt collectors by paying off part of your unsustainable debt. Various debt solutions are available in the UK; the proper one might eliminate part of your excessive debt, but the wrong one could be costly and time-consuming. 

When the phone rings, professionals from 1st Credit Debt Collectors explain the debt you owe. If you owe money, it is your job to pay it back. These debt collectors pursue unpaid debt on behalf of organisations. These organisations include:

  • Gas and electricity suppliers
  • Credit card issuers
  • Payday lenders. 

They purchase the debt for a lesser cost than the face value. Although getting debtors to pay might be difficult, they can make considerable money if they do. However, there are many debt collectors that are not fair and proper in their collection practices.

Establish if the Debt is Yours

Before rushing into paying the debt, it’s crucial to confirm whether the debt is actually yours. Request detailed information about the debt they claim that you own. This information should include where it originated and the principal amount. 

This is an important step to avoid paying a debt that’s not yours. This might happen due to clerical errors or mistaken identity

Paying a bill without first receiving confirmation from 1st Credit bill Collectors is critical since mistakes might occur. It’s much more vital to wait for confirmation if you don’t recognise the debt. Remember that the final cost may be more than you think owing to charges. 

You can ask them to prove that you owe them by sending a “Prove the Debt” letter to 1st Credit Debt Collectors requesting a copy of the original credit agreement. Do not pay until you are happy with the information.

Establish if the Debt is Enforceable

A debt can become ‘statute-barred‘ if the creditor has not made adequate efforts to collect it over a certain time period under UK law. This means you may not be obligated to repay your debt. However, this does not applicable to all types of debt, and the criteria can be complex. 

Seeking professional advice can help you understand if you still need to pay this debt. It is considered statute-barred if it has been 6 or 5 years in Scotland since you last paid your unsecured debts. This means that the debt is not enforceable, and you still technically owe the money but cannot be forced to pay or enforce the debt. 

Not all debts become statute-barred, such as HMRC debts, which stay enforceable for decades. However, debts with a County Court Judgement (CCJ) during the 5 or 6-year window will be enforceable for the duration of the CCJ. 

Debt collection companies often attempt to collect statute-barred debts, and debts not dealt with since 2006 are almost definitely statute-barred. 

To address this issue, use a free letter template to write to 1st Credit and explain that the debt is statute-barred. Writing to a debt collector about the debt won’t reset the 5 or 6-year timer. If you’re unsure, contact a debt charity for free advice. Towards the end of the article we have provided a list of reputable debt charities that you can consider speaking to. 

Why Do I Need to Pay this Debt?

Unsettled debts can lead to persistent reminders, deteriorating credit scores, and potential legal action. Paying your debts brings peace of mind, helps restore your financial health, and helps you avoid these complications. The sooner you manage your debt, the sooner you can move towards financial freedom. 

Debt collectors frequently enable you to work out a payment plan even if you are unable to make a full payment. Before consenting to a repayment plan, they may inquire about your income and expenses. 

If partial payments are approved, you may use free letter templates to negotiate an alternative payment plan or make a complete and final settlement offer. This helps to keep your credit score low and your finances in order.

The Outcomes of Managing Debt

A well-managed debt strategy can offer significant benefits. It can prevent court actions, reduce the constant worry about unpaid debts, and improve your credit score. Being proactive about managing debt can provide financial stability and peace of mind. Debt is a complicated subject that can give borrowers financial worry and pain. 

Debt collectors may employ deceptive methods to collect money, such as intimidation and harassment. If 1st Credit Debt Collectors have approached you, you may be unsure where to turn. 

Collectors’ continuous calls and harassment can negatively affect your financial well-being. Some people have felt humiliation, embarrassment, and imprisoned sensations. 

According to the debt assistance trust, some borrowers believe that suicide is their only alternative owing to their spiralling debt difficulties. The government has taken steps to address the issue of debt and lenders, with the goal of preventing individuals from becoming indebted and receiving unjust treatment.

1st Credit Debt Collectors and the Law

The Financial Conduct Authority (FCA) regulates all debt-collection agencies in the UK, including 1st Credit Debt collection. These agencies should follow the rules and regulations set by the FCA. The rules can include treating debtors fairly and giving them reasonable time to repay their debts. 

The debt collection procedure includes safeguards to protect both the public and debt collectors. The Financial Conduct Authority (FCA) established debt collection industry standards to ensure debt collectors treat debtors with dignity and prevent spiralling debt issues. These rules include:

  • Treating the debtor fairly
  • Being transparent
  • Understanding the debtor’s predicament
  • Assessing the circumstances before deciding on the best course of action.

If you believe that 1st Credit Debt Collectors are harassing or intimidating you and that they are not following the relevant regulations, you could report them to the FCA. You can use the online complaint form to file a complaint about 1st Credit Debt Collectors. 

When dealing with debt collectors, be aware that many will lie to get the amount paid and will treat you unjustly. So make sure to know your rights so that you can take necessary action.

Understanding How 1st Credit Debt Collectors Work: A Deep Dive

Understanding the modus operandi of 1st Credit can help you better manage your debts. This part will give you a comprehensive look at how they function. It will also help you with what strategies they apply to recover debts. 

It might be tough to understand debt collectors and the way they work, especially if you have never dealt with them. Let’s have a look at the major aspects concerning debt collectors. There are a few things that you should know about them and their less-than-pleasant debt-collecting practices.

1st Credit: A Brief Overview

Firstly, it’s crucial to know what 1st Credit is. They are a debt collection agency buying unpaid debts from other companies, becoming the new creditor. Hence, if you have an outstanding debt with a company that 1st Credit has bought, you owe them instead.

1st Credit’s Acquisition of Debt

When a company finds it challenging to recover debts, it may sell those debts to collection agencies like 1st Credit. This is often done at a fraction of the original debt value. The company gets a portion of the money back, and 1st Credit assumes the task of collecting the debt. It sounds straightforward, but wait till you learn more.

Methods of Contact

Once 1st Credit has bought a debt, they make contact with the debtor. This is usually done via traditional communication channels. They include:

  • Phone calls
  • Letters
  • Emails. 

You might wonder why they must do so when the debt is already established. Let’s unravel that next.

Establishing Communication

1st Credit doesn’t just communicate to remind you of your debts. They also need to confirm your identity, ensuring they’re contacting the right person. Additionally, they may require additional information or documents to proceed with the debt recovery. This leads us to the next point – how does 1st Credit make debt repayment feasible?

Offering Payment Solutions

1st Credit understands that immediate full repayment isn’t always possible for everyone. To make repayment easier, they often propose tailored payment plans. These plans spread the debt over a more extended period, reducing the monthly payment to a more manageable amount. 

Flexibility in Payment Plans

Payment plans aren’t one-size – fits-all who borrow debts. They can be adjusted according to your financial situation. This flexibility benefits those in a challenging financial situation. This can make debt repayment less burdensome.

Maintaining Compliance with FCA Regulations

While 1st Credit uses various strategies to recover debt, they’re obliged to maintain compliance with Financial Conduct Authority (FCA) regulations. These regulations ensure that debt collection practices are fair and respectful towards the debtor.

Their Ultimate Goal

1st Credit, like any other debt collection agency, aims to recover the debt they’ve bought from other companies. They use a combination of communication, negotiation, and payment solutions to achieve their goal of gaining money for their debts. Remember that you have rights and options when dealing with them.

We’ve covered the ins and outs of how 1st Credit operates. Knowing these can help you better navigate your dealings with them. But remember, there’s more to explore about dealing with debt collectors.

How Do I Make a Complaint Against 1st Credit?

If you believe 1st Credit has mistreated you or broken the Law, you can file a complaint. The process begins by contacting them directly. You can outline your complaint in a written format. If you are unsatisfied with their response, you can escalate your complaints to the Financial Ombudsman Service (FOS). 

Contact 1st Credit first to handle the issue; if they do not take it seriously, escalate it. If the problem is not adequately resolved the Financial Ombudsman Service (FOS) may investigate and take action against 1st Credit. If your complaint is upheld, you may be entitled to monetary compensation.

Can You Trust Debt Collectors

While 1st Credit is a legitimate, FCA-regulated company, it’s always important to verify the identity of any debt collector before sharing personal information or making payment arrangements. Be cautious, ask questions, and confirm the details of your debt. 

Debt collectors frequently mislead individuals into thinking they are honest and trustworthy. They may claim to be bailiffs in order to achieve a better position to receive cash. This is prohibited and may result in the collection of items as payment for the debt. 

It is critical to avoid enabling 1st Credit Debt Collectors to visit your house. Turn them away if they do or try to do so. You can call the police if you are concerned by their sudden appearance. It is critical to understand the distinction between debt collectors and bailiffs. The variation of their behaviour is significantly different.

How to Stand Up to Debt Collectors

Being well-informed about your rights and responsibilities as a debtor is crucial. If you feel you’re being mistreated, you can seek advice from debt charities or legal counsellors. Remember, knowledge is power and your greatest tool against unfair debt collection practices. 

Debt collectors may be tough and demanding to work with. However, it is critical to stand up for yourself and pay off the debt in a way that is appropriate for your current position. Avoid paying debt without food on the table and deal with it in a controlled manner. Don’t fret or panic over debt since there is always a way out.

Debt Solutions for you

In the United Kingdom, a debt charity provides free counselling for unsecured debts and the 1st Credit Debt Collection. Their consultants can help you sort through your alternatives and discover the best solution for your unsecured debts.

Debt Management Plan (DMP)

A DMP is a non-formal debt solution. This allows customers to pay off their debts in one instalment every month. It is also not legally enforceable and is not based on specific payments.

Individual Voluntary Arrangement (IVA)

An IVA is a formal arrangement between a borrower and creditors that requires a monthly payment to be divided among debtors. The debt is divided among the creditors, and the borrower agrees not to contact them during the IVA. 

IVAs, on the other hand, are not for everyone since they need a large amount of outstanding debt and proof of discretionary income.

Trust Deeds

Trust Deeds (which are not available in Scotland) work similarly to IVAs but involve paying an agreed sum each month among creditors. If they are unable to contact you, any remaining debt at the conclusion of your Trust Deed period is wiped off.

Debt Relief Order (DRO) 

A DRO is a good option for those facing financial distress or hardship with no assets and little income. For 12 months, no payments are made, but creditors freeze interest and don’t contact the individual. Unsecured debts may be written off if finances haven’t improved. 


It is a critical financial situation. Bankruptcy should not be taken lightly. You may need to file for bankruptcy if you have debts but no realistic chance of repaying them. Bankruptcy has an unjust connotation. It is because it might be your sole option for a new financial start.


Sequestration is the Scottish version of bankruptcy, and if the individual has little income and no valuable assets, they may be eligible for a minimal asset process bankruptcy (MAP).

Strategies to Escape from 1st Credit Debt

Getting out of debt may appear to be a difficult task. But do not be discouraged; it is not insurmountable. You can reclaim your financial stability with well-informed strategies and a consistent approach. So, where do you even begin? Let’s explore together.

Understanding Your Debt

Before you can tackle the issue, you need to understand it. Who do you owe? How much do you owe? What’s the interest rate? Answering these given questions lays the foundation for your escape plan.

Building a Budget

Budgeting is a good place to start when trying to get out of debt. A budget can be created by examining your income, necessary expenses, and non-essential spending. A budget guides your spending decisions and assists you in allocating funds for debt repayment. 

You may be concerned about budgeting. But what’s next could help you breathe a sigh of relief. Let’s keep going.

Debt Consolidation

It can be difficult to balance payments to 1st Credit and other collectors. What if there was a way to streamline the procedure? This is where debt consolidation can help. It is a debt consolidation strategy that combines multiple debts into a single loan. 

It may be often with a lower interest rate. You might wonder what the outcome might be. One easy-to-manage monthly payment. But there are more strategies to explore.

Negotiating with 1st Credit

Did you know you could work out a payment plan with 1st Credit? It’s true. Open communication allows you to reach an agreement on a reduced settlement or instalment plan. Remember that the outcome of your negotiations will be determined by your specific circumstances.

Debt Management Plans

If you’re struggling to keep up with multiple payments, a debt management plan may be your answer. It’s a formal agreement between you and your creditors, managed by a licensed Debt Management Company. 

The company negotiates lower payments on your behalf and distributes payments among your creditors. 1st Credit might agree to such a plan, simplifying your path to debt freedom.

Seeking Professional Help

Everyone’s debt position is different. While these tactics may be effective for some, others may require more specific guidance. This is where debt consolidation services come in. They can provide tailored methods for your specific scenario. But before we go any further, there’s another important element to consider.

The Power of an Emergency Fund

An emergency fund is a savings account that acts as a financial safety net. It can help you handle unexpected expenses. This will save you from borrowing or digging into your debt repayment funds. It’s a powerful tool in your arsenal to escape from debt. But you might think about how you can build one while handling debt.

Saving While Paying Off Debt

Yes, you can save money while paying off debt! The key is balance. Allocate a portion of your income towards saving, even if it’s small. Over time, these small amounts can add up to create a safety net. So, don’t feel discouraged if you can only save a little initially.

Persistent Action is Key

Escaping from debt isn’t an overnight success story. It requires persistence, discipline, and action. But with the right strategies and consistent efforts, you can surely overcome your debt situation, even with 1st Credit.

1st Credit Debt Collectors Contact Details

Keep accurate contact details for 1st Credit. This will help you communicate effectively. Whether it’s to discuss payment options, request more information, or make a complaint, you should have their contact details. 

Website: www.intrum.co.uk
Contact Number:  01737 237370 (Their telephone number is charged at a local rate)

Monday to Friday – 08:00 AM to 20:00 PM

Saturday – 09:00 AM to 13:30 PM

Email:  compliance.uk@intrum.com
Address: Intrum UK Limited, Lesbourne Road, Reigate, Surrey, RH2 7JP
Numbers they call from: 01737235228



Other Debt Collectors

Handling multiple debts can be overwhelming. Understanding the differences between debt collectors and how each operates can help you effectively manage your financial situation. If you are dealing with a debt-collecting agency or just trying to manage your money, I recommend contacting a debt charity for expert debt counselling.

In the United Kingdom, various organisations and institutions provide free debt counselling and financial guidance. Their consultants can guide you through your options and help you choose the right solution for you.

  • Citizens Advice
  • Debt Advice Foundation
  • StepChange 
  • National Debtline

Completing the Circle

Debt collectors that are aggressive or pestering you for payments must be paid. You must take measured actions to repay your debt, including obtaining proof of ownership and striking an acceptable agreement. 

If you believe you are being bullied, you have the right to file a formal complaint with the Financial Ombudsman, who may take the issue over. As a result of their actions, debt collectors may lose their licence in specific situations. 

Keeping open lines of contact and avoiding rejecting or ignoring debt collectors is critical.

Key Points

  • 1st Credit Debt Collectors is a UK-based debt collection agency that buys debts from companies and aims to recover them.
  • Establishing if the debt is yours before making any payments is essential. Request detailed information, such as where it originated and the principal amount, to confirm this.
  • 1st, Credit Debt Collectors are regulated by the Financial Conduct Authority (FCA) and are required to treat debtors fairly. If they fail to comply with these regulations, they can be reported.
  • Several strategies to manage debt with 1st Credit include negotiating payment terms, establishing a debt management plan, and consolidating debts
  • The agency usually offers flexible payment plans to make repayment more manageable.
  • Seeking professional help in managing debts is essential.
  • Organisations like Citizens Advice Bureau, Christians Against Poverty, and StepChange offer free debt advice.
  • An Individual Voluntary Arrangement (IVA) can be a beneficial solution for substantial debt. It consolidates and manages the debt, potentially allowing some of it to be written off.
  • In case of any issues or grievances with 1st Credit, a complaint can be filed and escalated to the Financial Ombudsman Service if the response is unsatisfactory.
  • Building an emergency fund and saving while paying off debt are strategies that can help individuals overcome their financial difficulties.
  • Persistent action is the key to overcoming debt. 
  • The right strategies and consistent efforts can achieve financial stability despite the challenges.


Below are some of the common questions related to 1st Credit Limited. The aim is to make it easier for you to find relevant information, respond to your inquiries, and understand better how 1st Credit operates.

Who Owns 1st Credit Limited?

As of 1st March 2018, 1st Credit Limited transitioned and is now known as Intrum UK Limited. Intrum UK Limited is a branch of the globally recognised Intrum Group, the leading debt collection and credit management agency in the world.

Is 1st Credit Limited Financially Regulated?

Yes, 1st Credit Limited operates under the Financial Conduct Authority’s (FCA) jurisdiction. The company’s registration number is 718918. This guarantees their compliance with FCA’s set regulations in conducting debt collection practices.

Does HMRC Use 1st Credit Limited?

No, 1st Credit Limited does not act as a debt collection agency on behalf of the HMRC. Hence, they will not contact you about any debts associated with the HMRC.

Does 1st Credit Limited Buy Debt?

Yes, 1st Credit Limited operates in debt collection on behalf of other organisations. However, their primary speciality lies in purchasing debts at a discounted price. They bet on their potential success in collecting those debts compared to the original lender’s attempts.

Can 1st Credit Limited Take You to Court?

Yes, 1st Credit Limited reserves the right to take legal action over outstanding debts. If they decide on this course of action, you will receive a County Court Judgement (CCJ).

Can 1st Credit Limited Come to Your Property?

1st Credit Limited could potentially dispatch a representative to your property for debt recovery purposes. However, it’s important to note that they don’t possess any legal authority to force their way into your property. If you’re uncomfortable with their presence, you have the right to send them away.

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