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Not everyone who encounters ACT Credit Management ends up paying them. But it doesn’t mean this gives you an excuse to ignore their reach outs. Doing so will surely end up in a situation where you might not be able to resolve it easily. 

Therefore let us guide you through everything you need to know before dealing with ACT Credit Management.

Jane Rohan
Last updated on 01 September 2023
Fact Checked

Table of Contents

1. What is ACT Credit Management?
2. The Legitimacy of ACT Credit Management: Is it a Real Company?
3. Who Does ACT Credit Management Work For?
4. Opinions About ACT Credit Management: Review Round-up
5. How does ACT Credit Management chase you?
6. How Can You Tell If a Call is From a Debt Collector?
7. Should you pay ACT Credit Management Debt Collection?
8. What are your other options?
9. Where can you take legal advice to deal with ACT Credit Management?
10. A Look at Other Debt-Collecting Companies
11. How to Reach Out: ACT Credit Management Contact Information
12. Key points
13. FAQ


It’s crucial not to dismiss such debts lightly. The consequences of doing so could quickly snowball into a formidable debt issue. It is best to avoid such a sticky situation as much as possible. Therefore gaining a basic understanding of it is recommended to anyone. 

So, what options do you have at your disposal? Are you aware of all aspects of ACT Credit? Are you aware of how it functions? Have you learned all there is to know about it? Keep reading this article to discover all options you could use when dealing with ACT Credit…

What is ACT Credit Management?

ACT Credit Management is one of the reputed debt collection agencies in the UK. They have two main offices based in Glasgow and Harrow. They mainly focus on collecting debts on behalf of other creditors. Plus, they have the capability to provide international debt collection services in addition to providing debt collection services locally in the UK.

The Legitimacy of ACT Credit Management: Is it a Real Company?

Yes, ACT Credit Management is a legitimate company. This company has operated for over a decade and is well-reputed among its clients. Below are some of the facts that will help you to verify their legitimacy.

1. ACT Credit Management is registered in the UK Companies House under the company name “ACT CREDIT MANAGEMENT LIMITED”, and it was incorporated in 2004.
2. Their registered address – Bank House, St. Johns Road, 1st Floor, Harrow, Middlesex, HA1 2EE.
3. ACT Credit Management companies house registration number – 05073492
4. They are authorised and regulated by Financial Conduct Authority (FCA) under reference number – 841982.
5. They have a member of the Credit Service Association (CSA) in the UK.

As you can see, ACT Credit Management is indeed a legitimate company. We hope all your doubts have been cleared with the above facts.

Plus, it is essential to note that they have to follow guidelines provided by these government monitory bodies in order to safeguard their memberships and even secure their licence to practice debt collection. These standards and practices give their customers and debtors a certain degree of protection and assurance

And it is indeed a certification of the quality of their work.

Next, Let us find out who are the clients of ACT Credit Management.

Who Does ACT Credit Management Work For?

There is no specific industry that ACT Credit Management debt collecting agents highly focus on when it comes to debt collection. But they have stated for not have an interest in collecting debt from specific industries such as Payday Loans. 

Other than that, they typically like to chase consumer debts instead of focussing on collecting business-to-business debts. Thus the company asserts its collaboration with “prominent clients across diverse sectors throughout the United Kingdom.”

Opinions About ACT Credit Management: Review Round-up

Reviews about ACT Credit show that the company has a reputation for being persistent. They exhibit this persistence when they chase the debtors of their clients. Throughout its operations, it has received many mixed reviews. Some have stated they are rude, while some have said they did a great job in helping to settle their debts.

Google map reviews of ACT Credit Management Debt 

They have been able to secure a 4.6 overall Google review score out of 266 votes.

Opinions About ACT Credit Management: Review Round-up

Spoke today with Jerrome Driscoll via the online chat. Jerrome was very friendly and efficient, dealt with my enquiry very quickly and easily and made sure to explain everything and answer all of my questions. I feel much better having spoken to Jerrome and having this matter dealt with. It was far easier than I had expected. And I am happy with the outcome. Overall I have found ACT to be easy to work with. They are friendly and not pushy like some other companies. 

Date of experience: July 18, 2023 – Read more

Jacqueline McCloy

Trust Pilot Reviews of ACT Credit Management Debt

They have been able to secure a 4.1 overall Trust pilot review score out of 6 votes.
Trust Pilot Reviews of ACT Credit Management Debt

Post Covid and furlough I had a few outstanding accounts, it has been my first time dealing with debt companies, and had a handful contact me. Lisa in the call center was very helpful and friendly. I have now completed all payment plans and wanted to leave a review to say thank you for making a difficult time easier.
Date of experience: January 08, 2023 – Read more

Hillary McBride

How does ACT Credit Management chase you?

Below are some of the steps that ACT Credit Management will generally follow when they come after you.

1. ACT Credit Management will send you an initial debt letter notifying the transition of debt from your original creditor to them and all other necessary information you need to know about it. This includes the request for settling the debt as well.
2. From there onwards, they will use all types of communications to get in touch with you. The communications methods include:
i. Phone calls
ii. Letters
iii. Emails
iv. Possible home visits in extreme cases where they are unable to get in touch with you using other methods.
3. If you ignore all their reach outs, They will send you one last letter titled Letter Before Action (LBA), notifying you that they will take legal action if you do not get in touch with them or settle the debt before the due date mentioned in the letter.
4. And, They will surely go to court to take a Count Court Judgement (CCJ) against you if you ignore the LBA notice. And the court will also give CCJ against you if the debts are true.
i. As a result, you will be legally responsible for settling the debt. And this CCJ will last in your credit history report for 6 years if you do not resolve the debt before 30 days passing from the date the court order was issued.
ii. Thus you may find difficulties in getting new loans and credit cards in the future due to this negative effect on your credit history.
What actions will the ACT Credit Management take if you ignore a CCJ?

ACT Credit Management will go back to court to take a warrant or writ of conduct against you to use bailiffs to visit your home and seize your belongings. The bailiffs will store your goods in a warehouse and eventually sell them in an auction to recover total debt and all bailiffs’ charges.

As you can see, it’s not a flowery road that you could be able to travel easily if you ignore their reachouts. And there is plenty of time in between these procedures. So we strongly suggest you use that time to find a reliable solution to the debt issue before things get e

How Can You Tell If a Call is From a Debt Collector?

If you receive a call from an unknown number, you need to ask the caller to identify themselves first. Their identification should at least include the following: 

1. Their name
2. And the company they represent.

Make sure to take note of any calls you receive and the identities of the callers. You may find the information helpful later. 

If you do not answer the call, it will be hard to determine the identity of the caller. However, it is vital to note that you are under no obligation to entertain their calls. You do not have to answer calls when the callers are aggressive. 

And you have the right to complain with proof to Financial Ombudsman Service (FOS) and Financial Conduct Authority (FCA) if you feel like they are breaking the law.

Should you pay ACT Credit Management Debt Collection?

You do not have to pay the money you owe immediately upon receiving a Letter Before Action (LBA) from ACT Credit Management. But this does not mean ignoring it is the best course of action. 

Here is what you should do upon receiving an LBA. 

1. Collect all your credit history reports and find out whether you owe any debt to ACT Credit Management’s client.
2. Then check whether the debts they are referring to can be sorted under statute-barred debt.
What are statute-barred debts?

Your debts cannot be enforced legally if they are sorted under the Statute-Barred debt category. Your debts need to fulfil three conditions at the same time in order to get a statute-barred excuse. They are as follows:

1. Your debts must be older than 6 years from the date you make the last payment.
2. You must not have any provable communication with the original creditor or ACT Credit Management within that 6-year period mentioned above.
3. You should not have received any court order (CCJ) regard to this debt matter within the 6-year period mentioned in the first point..

Yes, You will not have to settle the debt if it sorts under the statute-barred category. But this does not mean your debts will also be cleared from your credit history report. Thus receiving a statute-barred excuse will affect your credit report negatively. Thus you may find difficulties in getting new loans and credit cards in the future.

What if your debts are true and cannot sort under statute-barred debts?

You will need to verify your debt through ACT Credit Management first if it does not false under the statute-barred category. 

For that, you need to ask ACT Credit Management through a letter titled “Prove the Debt” to send you a written proof document showing you really owe their client. Keep in mind to keep a copy of the letter and send it through a traceable mail service, as it will come in handy if ACT Credit Management goes to court without replying to you with proof.

They will surely reply to you with a letter that includes the necessary proof to verify the debt. Remember, their reply should at least include the below document to prove you really owe them.

1. A copy of the initial credit agreement
2. The total debt amount
3. Detailed explanation of additional fees

It’s better to get in touch with ACT Credit Management and settle the debt and get done with it if they verify your debt.

Or you can talk with them to get acceptance to a payment plan if you cannot afford to settle the debt in one go. But you need to make them convincing enough with proof in order to win a reliable payment plan where you can stick until the debt gets settled.

What if ACT Credit Management fails to prove you owe their client?

You are not bound by law to settle the debt with ACT Credit Management if they fail to prove you really owe their client. 

Sometimes you may already know you owe their client. But you are not required to settle the debt,

  • If ACT Credit Management does not reply to you with a letter containing proof that shows you owe their client.
  • If ACT Credit Management replies to you with proof but the total debt count mentioned in it is false.
  • If they send you the wrong document as proof, where they have misunderstood you for someone else.

What are your other options?

Sometimes you may come across a situation where you might not be able to afford the payment that ACT Credit Management suggests to you. In those situations, you can look for other options that are available inside the UK. 

Inside UK, there are a number of debt solutions that you can use to solve your debt issue and get relief from it. But there is a catch. You need to fulfil certain conditions that are unique to each debt solution separately. Therefore we have already created dedicated articles for each debt solution available in the UK. 

Below is a list of debt solutions available in the UK and their post link that contains a deeper dive into each solution. Therefore click on them to learn more about them.

Sometimes choosing a debt solution can become tricky as some solutions can make you debt free, while a wrong choice could sink you into a pile of debt that you will not be able to resolve. Therefore, we urge you to take legal advice before considering to choose any option mentioned above.

Where can you take legal advice to deal with ACT Credit Management?

There are a number of debt-consultation-providing companies in the UK as a charity or a paid service. Among them, charity debt organisations have the same capabilities as paid ones do. Below is a list of the most famous charity debt institutes where you can get free debt advice.

1. Citizens Advice Bureau
2. Christians Against Poverty
3. National Debtline
4. Payplan
5. Stepchange

Where can you take legal advice to deal with ACT Credit Management?

A Look at Other Debt-Collecting Companies

We strongly suggest you to check your credit history reports at least once a month. By doing so, you will be able to be aware of any changes in the ownership of your debts. There are a number of major debt-collection companies in the UK that purchases debt in bulk from other creditors.

Three major tycoons in debt purchasing that you need to keep an eye on are as follows.

1. Cabot Financial
2. Lowell Financial
3. And PRA Group

How to Reach Out: ACT Credit Management Contact Information

In order to contact ACT Credit Management, 

1. You can either write to them at their offices in Harrow and Glasgow
2. Or call them on the numbers provided.
3. Alternatively, you can reach them via email at info@actcredit.com.
Address: ACT Credit Management Ltd

Bank House, 7 St John’s Road, Harrow, HA1 2EE

Te: +44 (0) 203 1500 150

ACT Credit Management Ltd

Caithness House, 127 St Vincent Street, Glasgow, G2 5JF

Tel: +44 (0)141 739 9800

Email: info@actcredit.com
Website: www.actcredit.com

Key points

  • If a debt has surpassed six years, it might be considered statute-barred, making it uncollectible due to its age.
  • ACT Credit Management debt collection agents lack the authority of bailiffs and are not permitted to possess debtors’ assets. Their actions are limited to communication and the potential threat of legal measures.
  • ACT Credit Management is authorised and regulated by the Financial Conduct Authority (FCA), making it a legitimate debt collection company.
  • Access additional assistance and guidance from organisations like StepChange, National Debtline, and MoneyAdvisor for free debt-related support.
  • Legal opportunities exist in the UK for individuals to potentially have a portion of their debt written off.
  • You have the right to request written evidence of the debt when you receive a Letter Before Action (LBA). Plus, you are allowed to explore various options to manage it.


Should I pay ACT Credit Management Debt Collection?

It’s a matter of time before you end up paying to ACT Credit Management if the debts are true.

How does ACT Credit Management chase me?

ACT Credit Management can pursue you for debt payment via calls, text messages, and emails. The most significant form of communication is usually the debt letter sent by the company. It informs you about the debt and actions they might take if the debt isn’t repaid. 
Thus it’s crucial not to ignore these letters and take appropriate action based on your situation.

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