Read Time 5 Minutes, 20 Seconds

Not everyone would be required to pay Debt and Revenue Services debt. However, you must pay attention to it as this can help you protect yourself from potential problems related to Debt and Revenue Services debt.

Jane Rohan
Last updated on 29 September 2023
Fact Checked

Table of Contents

1. Who Are Debt and Revenue Services?
2. Beating Debt Debt Collectors
3. Collecting Payday Loans and More!
4. Those Scary Debt Letters
5. Do Not Ignore Debt and Revenue Services
6. Can Debt and Revenue Services Come to My Home?
7. Make Debt and Revenue Services Prove Your Debt
8. Mitigate Debt and Revenue Services Calls
9. Debt Solutions Are at Hand!
10. STOP – Don’t Pay them if This Applies
11. Debt and Revenue Services Contact Information
12. How to Complain about Debt and Revenue Services
13. Key Points:


Debt and Revenue Services often send intimidating debt letters to prompt immediate payment without questioning. This article guides you on how to respond to a Debt and Revenue Services debt letter and assert your legal rights. There may even be a way to avoid paying Debt and Revenue Services altogether!

Who Are Debt and Revenue Services?

Debt and Revenue Services is a UK-based debt collection agency that pursues individuals for debts and unpaid bills. Sometimes, people are aware of the debt, while in other cases, their debt letters come as a surprise.

This business is fully recognised by debt industry regulators and the Financial Conduct Authority (FCA). It’s also noteworthy that Debt and Revenue Services operates as a division of another UK debt collection agency known as Ardent Credit Services Ltd.

If you’ve had previous communications with Ardent in the past, you should be aware that Debt and Revenue Services essentially consists of the same team of professionals.

Beating Debt Debt Collectors

One way to eliminate some of your debts is by writing off some of them. When it comes to handling debts in the United Kingdom, there are strategies (Debt Solutions) that you can consider. It’s crucial for you to determine the course of action as it can safeguard you against difficulties.

Collecting Payday Loans and More!

The company does not mention the industries in which it recollects the debt. Still, based on our research, we found that it collects debts in a broader range of businesses in a more comprehensive range of industries, including:

  • Organisations like eBay and Talk Talk.
  • Utility Providers
  • Credit Card Providers
  • Payday loan providers
  • Private Car Park Management Businesses

Those Scary Debt Letters

Similar to other debt collection agencies in the Debt Industry, Debt and Revenue Services also send scary debt letters threatening the debtors that they would take them to court.

But you need to act smartly as this enables you to get a fair solution for your current situation.

Do Not Ignore Debt and Revenue Services

You must pay attention to them because ignoring them can get you into additional problems, such as getting involved in Court cases. Therefore, responding to them can enable you to avoid many problems.

Can Debt and Revenue Services Come to My Home?

Yes, you need to note that Debt collection agencies are legally allowed to visit your home to contact you if they fail to contact you using all forms of contact they can access.

However, you must note that if you inform them to leave your residence, they must do so. If they don’t, it is considered illegal if they try to enter your home forcefully. You can call the police on them if they refuse to leave your premises.

Make Debt and Revenue Services Prove Your Debt

You need to remember that you are not required to panic when you receive a debt letter from them.

Instead, you must send them a Prove the Debt letter. If they cannot prove that you owe them any debts, they will write it off, making it a benefit for you. Plus, it take some time for them to reply you with proof via a written document. You can use that time to find out other options in dealing with this particular debt issue.

Mitigate Debt and Revenue Services Calls

In case they prove that you owe them debts or even beforehand in some situations, Debt and Revenue Services staff would make constant calls to force you to repay the unpaid debts.

It’s important to keep in mind that they are legally prohibited from contacting you during the hours you specified as off-limits. If they choose to contact you, it would be considered harassment. In such a case, you have the right to file a complaint with the Financial Ombudsman Service (FOS).

Debt Solutions Are at Hand!

If you’re experiencing challenges due to income and debt issues, it can be incredibly challenging to manage the payments associated with them. This is where seeking assistance through a repayment plan can be beneficial for you.

Additionally, you can also look into other debt solutions such as:

Alternatively, feel free to fill out our online form by clicking here if you want personal help from our Money Advisor Team based on your current financial standing.

STOP – Don’t Pay them if This Applies

In the UK, there exists a legal loophole that prevents certain debts from reaching the courts. Due to the high caseload, the courts are reluctant to handle debt cases from the distant past, specifically those dating back six years.

If your debt is at least six years old and has never been subject to a County Court Judgment (CCJ), there is a significant likelihood that you won’t be compelled to make payments. This situation is referred to as “Statute-Barred debt,” which essentially prevents it from proceeding to court, although the debt itself doesn’t disappear.

The debt remains on record, but you are not obligated to repay it. If this applies to your situation, it’s advisable to send a statute-barred notification to Debt and Revenue Services.

Debt and Revenue Services Contact Information

You can reach out to them using the following contact information:

Post 1st Floor, Moorgate Point, Moorgate Road,
Knowsley Industrial Park
Liverpool L33 7XW
Phone 0151 545 1500
9 am – 5:30 pm, Monday to Friday
Website https://my-drs.co.uk/

How to Complain about Debt and Revenue Services

If you feel that they are not treating you fairly due to one of the reasons that we have mentioned in this article, you can simply make a complaint to them.

If they still decide to carry out their actions, you can make a complaint against them to the Financial Ombudsman Service (FOS) with proper evidence. Then, the FOS agents will inquire about your issue and act accordingly.

Sometimes, Debt and Revenue Services agents may end up paying high fines or compensation to you if they are proven guilty.

Key Points:

  • Agency Overview: Debt and Revenue Services (DRS) operates as a recognised debt collection agency in the UK. It is a division of Ardent Credit Services Ltd. They are accredited by industry regulators and the FCA.
  • Intimidating Letters: DRS is notorious for sending intimidating letters to individuals, urging immediate settlement of debts. It’s crucial not to ignore these communications and to exercise legal rights promptly.
  • Legal Rights and Property Entry: Individuals have legal rights against unauthorised property entry by DRS. They cannot enter without a court order. It’s essential to be aware of these rights and demand proof of debt upon request.
  • Harassment and Reporting: If individuals experience harassment through excessive calls from DRS, it’s important to report such incidents to the Financial Ombudsman Service (FOS) and to consider various debt solutions to manage payments effectively.
  • Statute-Barred Debt: Debts that are at least six years old without a CCJ may be considered statute-barred, meaning individuals may not be legally forced to pay. Awareness of such legal nuances is crucial in managing old debts effectively.
  • Debt Solutions and Management: Various debt solutions like IVAs, Debt Relief Orders, and bankruptcy are available for individuals struggling to manage payments to DRS. Exploring these options can provide relief and a structured way to handle debts.
  • Persistence in Debt Collection: DRS is known for their persistence in debt collection attempts. Staying informed, proactive, and managing communications effectively is key in dealing with continuous and often intimidating interactions with DRS.
  • Complaint Procedures: If faced with issues or unfair practices by DRS, it’s crucial to file a complaint directly to them first, and if unsatisfied, escalating the complaint to the Financial Ombudsman with substantial evidence is the next step.

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