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The Insurance Collections Bureau (ICB) is a well-known debt collection company that focuses on recouping unpaid sums for insurance claims. Knowing your rights and obligations while dealing with financial concerns, especially regarding debt collection, is essential. 

You must Know your rights and determine whether you have a legal obligation to pay, especially if you receive correspondence from ICB regarding a debt. In this article, you will get an overall idea of the function of ICB and get advice on how to manage ICB debt. 

Jane Rohan
Last updated on 19 July 2023
Fact Checked

Table of Contents

1. Overcoming Challenges with ICB Debt
2. Understanding ICB Debt Collection (Insurance Collections Bureau)
3. What is Their Reason for Contacting You?
4. Is ICB a Legitimate Organisation?
5. How to Respond to ICB Debt Collectors – Your Next Moves
6. Managing Your Debts Efficiently
7. How to Get in Touch with ICB
8. FAQ


Overcoming Challenges with ICB Debt

Getting over life’s obstacles can frequently result in unforeseen financial issues. In such cases, you can encounter an “ICB Debt” phrase that causes alarm. It’s crucial to keep in mind that you are not the only person dealing with debt-related problems. 

It’s essential to know how to address the matter when it includes a company like the Insurance Collections Bureau (ICB), as debt is a typical concern. 

To clarify this frequently misunderstood subject, this article will walk you through the in-depth part about ICB.

Understanding ICB Debt Collection (Insurance Collections Bureau),

Let’s explore the ICB Debt idea. It refers to the debts sought by the Insurance Collections Bureau (ICB), a UK headquarters specialising in collecting unpaid invoices from brokers, insurers, and credit-hire businesses. 

ICB differs from your typical debt-collecting company; they specialise in the insurance sector, which sets them apart from competitors. However, there is still much to learn about their function and activities. Get ready as we explore the world of ICB Debt in more detail.

What is Their Reason for Contacting You?

Getting a letter from ICB Debt Collectors can be upsetting because it can make you feel surprised and anxious. It’s normal to wonder why they are getting in touch with you.

ICB Debt is a debt-collecting firm that works on its clients’ behalf, ranging from brokers to insurers to credit-hire businesses. 

ICB debt collectors appear to specialise primarily in working with car insurance companies. According to reports, individuals have received letters from ICB soon after changing their car insurance policies. Therefore, if you have recently switched your car insurance provider, debt collectors may contact you from the Insurance Collections Bureau.

Is ICB a Legitimate Organisation?

Yes. ICB Debt is a legitimate Organisation. 

When you receive a letter from an unfamiliar company requesting payment, verifying its legitimacy before taking further action is essential. 

Unfortunately, some people exploit weaker people and try to trick them into paying for fictitious debts. It is essential to safeguard oneself from scammers and ensure you are not being exploited.

One reliable method to check a company’s authenticity is by checking the Companies House registry. Legitimate and officially recognised companies are required to register with Companies House, which provides a public record of their information.

In the case of ICB debt collectors, they also have a Companies House page that can be accessed for verification. 

  • ICB Debt is officially registered under the company name Insurance Collections Bureau Ltd, with the company number 05426923. Their registered office address matches the one provided above, confirming their legitimacy.
  • Additionally, ICB is authorised and regulated by the Financial Conduct Authority (FCA) under Permission No.704300. Therefore, it is vital to take their letters seriously and proceed accordingly.

By conducting these checks and confirming the legitimacy of a company, you can protect yourself from potential scams and make informed decisions regarding any further actions required in response to their correspondence.

How to Respond to ICB Debt Collectors – Your Next Moves

Receiving an unexpected letter from ICB debt collectors can be a highly distressing and worrisome experience, particularly when it catches you off guard and disrupts your peace of mind. The sudden realisation that you are being pursued for a debt can evoke various negative emotions, causing stress and upset. 

It is very demoralising if you firmly believe you do not owe the amount. Although it is rare for debt collection companies to contact people inadvertently, it is vital to recognise the possibility that the debt they allege is real.

Despite the stress and upheaval, it may cause, addressing the problem in such circumstances with a level-headed perspective is imperative. To respond to the letter from the ICB debt collectors, one must be proactive, given the potential that the debt is accurate. 

By doing so, you can assert your rights and challenge their claims, presenting your case in an informed and effective manner. The following paragraphs will outline the recommended steps to navigate this challenging situation.

Collect the necessary details.

Upon receiving a letter from ICB debt collectors, you were paying attention to the specific company they mention as the creditor is crucial. If you recognise the company’s name, it is advisable to thoroughly review any previous correspondence or interactions you have had with them. By revisiting your past communications, you can better understand the context and nature of the debt pursued.

After compiling all pertinent correspondence and information from the original creditors, it is crucial to compare the sums listed in your credit history documents with the amount mentioned in the letter from Insurance Collections Bureau (ICB) debt collectors. 

You can find any differences or contradictions between the two figures by performing this cross-referencing exercise. Differences in the numbers could signal an interest add-up for years of passing without paying. Or a mistake or misunderstanding and release you from the need to pay the debt.

Keep a diary.

Throughout your interactions with ICB debt collectors, you must maintain meticulous records of your dealings with them. It is advisable to keep detailed notes, including the dates of all their letters and the specific times and dates of any phone calls you receive.

Try to record the names of the individuals you engage with during these communications.

By documenting this information, you will have a comprehensive record of your interactions, which can prove invaluable in any issues or disputes that may arise in the future.

A well-documented account of your interactions with ICB debt collectors will provide a solid foundation of information to draw upon if needed. It ensures a reliable reference, enabling you to address potential concerns or challenges with greater clarity and accuracy.

Proving the Debt

If you ever feel like you don’t owe any debt to any insurance company, you would have received a debt recovery letter from ICB by accident. You can send them a letter requesting them to prove the debt that you owe. This may allow you to confirm whether you owe any debt or not.

Managing Your Debts Efficiently

Managing debt can be difficult, especially if there are several different debt collectors. For instance, Robinson Way occasionally sends you mailings under Hoist Finance. Order, knowledge, and composure must all be maintained during the procedure. 

To be proactive in controlling your debts, try to understand and learn about the many organisations you engage with. Remember that debt is only one aspect of life and does not account for everything. You might be able to go through it and regain control of your financial condition if you are persistent and dedicated.

How to Get in Touch with ICB

During challenging economic times, maintaining open lines of communication becomes crucial. When dealing with ICB Debt Collectors, you can contact them through the contact information below:

Address Insurance Collections Bureau Ltd

Weltech House


Welwyn Garden City



Phone 01707 566 053
Email operations@icbureau.co.uk
Online form insurancecollectionsbureau.co.uk


Should I pay ICB debt collectors?

Yes, we recommend you settle the debt if you’re confident the debt is yours, and you have the necessary funds to pay. This action will cease the persistent phone calls and letters from the ICB debt collectors.

What happens if I can’t afford to pay ICB debt?

In situations where you’re unable to pay the debt due to financial constraints, it’s essential to communicate your status with the Insurance Collections Bureau (ICB) as soon as possible. They may be able to work with you to develop a solution, such as a repayment scheme where you can pay off the debt in instalments.

Can ICB debt collectors visit my house?

Yes, ICB debt collectors can send a representative to your property if no resolution has been made on the debt. However, they are required to give you a written warning before any visit. The representative should be able to produce documentation confirming their identity.

But they cannot enter your home or seize your belonging. Because they are not enforcement agents like Bailiffs.

How do I make a complaint about ICB debt collectors?

If you believe the ICB debt collectors have behaved poorly or unfairly, you have the right to lodge a complaint. Initially, this should be done directly with the ICB. If they fail to respond or resolve your complaint, you can escalate the matter to the Financial Ombudsman Service.

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