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If you’re reading this, you’ve most likely gotten a call or letter from the debt collection organisation, STA International. Despite the fact that this can be an unpleasant and frequently terrifying experience, there are steps you can do to correct the problem.

But to do that, you’ll need the right information and assistance.We look at some of the most often asked questions while dealing with STA International debt letters and phone calls.

There’s a chance you may not be required to even pay them, but disregarding them is not an option – the situation could quickly intensify. Now, let’s delve into your possible courses of action with STA International…What will happen next might surprise you.

Jane Rohan
Last updated on 18 August 2023
Fact Checked

Table of Contents

1. Who is STA International?
2. Is STA International a Legitimate Debt Collector?
3. Why is STA International Sending Me Letters?
4. What Companies Does STA International Collect for?
5. What Capabilities Does STA International Hold in Debt Recovery?
6. Understanding My Entitlements and Protections
7. Can STA International take my belongings?
8. Can I Stop Them from Contacting Me?
9. How Can I Contact STA International?
10. Can I Just Ignore STA International?
11. Do I Have to Pay the Money They’re Asking for?
12. What If I Don’t Have the Money?
13. What Help Can I Get Dealing with STA International?
14. STA International – Final Thoughts
15. Other Debt Collectors
16. STA International Contact Details
17. Key Points
18. FAQ


Who is STA International?

STA International is a debt collection agency that was originally founded in New York in 1955. It has now expanded to include operations in:

  • Mexico 
  • England
  • Scotland

They specialise in Confidential Credit Control and locating those who have missed bills in addition to debt collection. The organisation works with a wide range of clients, both commercial and consumer. 

Much of their business in the UK is for B2B debt collection and unpaid student debts. This implies that they reclaim money on behalf of other businesses.

Although you may not recognize the name as that of a company to whom you owe money, they are frequently collecting on behalf of another creditor. They, like many other similar organisations, acquire bundles of bad debts at a low cost and then collect them to earn a profit.

Is STA International a Legitimate Debt Collector?

Yes. STA International is a reputable, fully licensed debt collector. They are registered under the Financial Conduct Authority (FCA) and they are also a member of the Credit Services Association (CSA)

They adhere to all relevant laws, such as the Fair Debt Collection Practices Act (FDCPA), making sure their actions are moral, open, and legal. 

However, it also signifies that you have certain legal rights while dealing with them. We will explore them. Keep reading. However, if you do get a letter from them, don’t throw it away.

 Why is STA International Sending Me Letters? 

If you’ve received a letter from STA International, it typically means you owe a debt to one of their clients. The letter is a formal request for payment. But don’t worry, there’s a chance to sort things out.

STA International, like other debt collection firms, will have been paid to collect your outstanding obligations or will have acquired the debt themselves. Usually, this happens after the original creditor has tried and failed to recover the debt. 

Numerous things that can lead to debt include:

  • Unpaid bills and taxes
  • Unpaid loans
  • Credit card debt and more

But if you don’t respond after receiving one letter from them, it’s very likely that you will continue to hear from them.

What Companies Does STA International Collect for?

STA International operates across various sectors, partnering with large corporations, small businesses, and even universities. Essentially, if a company has an outstanding debt, STA may be employed to help recover it. The list they collect for includes:

  • Government bodies- if you have unpaid council tax, parking tickets, or HMRC tax bills, you may hear from them.
  • High street brands- technology companies such as EE, O2, and Virgin Media all use debt collection agencies like this one.
  • Utility companies- gas and electric companies such as United Utilities and Npower might pass your outstanding account over to STA International.

What Capabilities Does STA International Hold in Debt Recovery?

The STA debt collection agency employs highly trained debt recovery specialists equipped with the latest technology. They use a strategic approach, effectively tracking down outstanding debts while maintaining amicable relations between their clients and debtors.

The company’s capabilities as a debt collecting agency are limited. These capabilities, however, are identical to those of the original firm to whom the loan belonged. As a result, they can pursue you for repayment of the money you owe, but their authority is restricted.

STA International is not an enforcement agency (sometimes known as a bailiff). This means that, while they can come to your house with notice, they cannot remove your belongings or your automobile to pay off the debt. If they claim to have this power, they are lying, and you can ask them to leave.

They can’t seize your goods or force their way into your home, but they may take you to court over the debt. This means they may be able to summon bailiffs, get a County Court Judgement (CCJ), or obtain an Attachment of Earnings order against you.

Understanding My Entitlements and Protections

As a debtor, you have rights too. Debt collection agencies are bound by rules and regulations. You have a wide range of legal choices when it comes to dealing with debt collection organisations. Since the FCA oversees all of these organisations, they are subject to its rules and laws. 

Here are a few examples of what they can’t do:

  • Contact other people, such as friends, family or employers, (or threaten to) in regards to the debt without your permission.
  • Add excessive charges to your debt.
  • Threaten you or pretend they have legal powers they don’t have.
  • Contact you excessively or phone you outside of specific hours. They also can’t contact you against your preferences once you’ve specified them.
  • Mislead you by using jargon or legalese. They also can’t trick you into paying more than you owe.

Debt collectors have no more power in person than they have over the phone, despite the fact that they can visit your premises with notice. They are not permitted to enter without your permission and must leave if you ask them to.

Can STA International take my belongings?

No, debt collectors cannot seize your personal belongings to pay off your debts. The same is true for your vehicle or other vehicles. Bailiffs have this authority, but STA International is not one of them. Having said that, they can file a legal action against you in order to summon bailiffs, who will have the authority to seize your belongings.

As a result, it is preferable to deal with them  before they reach that point. If someone from STA International states to be a bailiff and tries to enter your home or steal your things, you have the right to ask them to leave and file a complaint.

Can I Stop Them from Contacting Me?

You can request STA International to stop contacting you by sending a written request. Yet, this doesn’t erase your debt. They can still sue you to recover the money. So, what is the best action you can take?

Debt collection agencies, in general, are quite persistent. They will continue to pursue the debts for which they are collecting, especially if you reject their calls and letters. They cannot, however, harass you by making an excessive number of calls or phoning at inconvenient hours. 

The easiest approach to prevent STA International from contacting you is to first contact them. You can then explore repayment options or give proof that the debt is not yours or your responsibility. They will stop calling and writing to you about the debt once they have received the payment.

How Can I Contact STA International?

STA International is approachable and open to communication. You can reach them through phone, email, or post. Discussing your situation directly can lead to manageable solutions.

When contacting them, make sure you have all of the information and letters they’ve already provided you, in order to make the process smooth. You should also consider what you will say to them. You should have evidence that the debt is not your responsibility if you plan to contest it.

You may file a complaint with STA International directly, as they offer a clear complaints system. If you are unhappy with the decision, you can approach the Financial Ombudsman Service (FOS), who will serve as arbiters in your case. 

Can I Just Ignore STA International?

Ignoring STA International will just make them strive harder to contact you. Secondly, while attempting to recover the debt, they may levy extra costs. The fact that they have the possibility of taking you to court to recover the money is maybe the most crucial argument for not ignoring them. 

This may imply that they will issue a CCJ or send bailiffs to your property. Even if the debt isn’t technically yours, you should contact them and explain the circumstances.

Do I Have to Pay the Money They’re Asking for?

Yes, on most occasions. If you truly owe money, the best approach to cope with it is to pay it. However, there are several steps you should do before paying:

  • Request that they provide proof that you owe the money- STA International has the responsibility of proving that the debt is yours. You can write to them and ask them to supply it; according to the FCA’s handbook, they must.
  • Verify whether the debt you owe is no longer valid- there are some debts that have a time restriction, often six years. But to be eligible for this:
  • 1. The creditor must not have obtained a CCJ
    2. You must not have made a payment in the last six years
    3. You must not have written an admission of debt for this to be applicable.
  • View your available payment methods- you might not need to pay the entire sum up front. There are several possibilities in addition to a payment plan that the debt agency may accept.

What If I Don’t Have the Money?

In case you can’t afford to pay your debt, they may offer payment plans or settle for a lesser amount. Open communication is key in these situations. But, where else can you turn for assistance?

  • IVAs- in England, Northern Ireland and Wales, you may be able to come to an Individual Voluntary Arrangement (IVA). This allows you to combine all your debts into one and make lower payments over 60 months. Any outstanding debt at the end is written off. 
  • Trust Deeds- In Scotland, a Protected Trust Deed does similar to an IVA
  • Debt management- you can get loans, debt arrangement schemes, and other plans to help you repay or write off some of your debt. You could also consider bankruptcy as a last resort.

You must carefully consider your alternatives and seek guidance in this regard. There are numerous details to take into account, therefore professional assistance may be quite helpful. Make sure to inform STA International if you choose to go in this manner so they won’t bother you.

What Help Can I Get Dealing with STA International?

You’re never on your own when dealing with STA International and other debt collecting companies because of the regulatory organisations that oversee them. If you think the company is harassing you or treating you unfairly, you can register a complaint. If it isn’t rectified, you can bring this up with the Financial Ombudsman.

Citizens Advice provides a page that might assist you in dealing with debt collection firms. You may call their debt hotline Monday through Friday from 9 am to 8 pm. For more assistance, you may also go to or call the nearest Citizens Advice office. They might be able to suggest Trading Standards to take your complaint.

Additionally, other debt charities that offer free advice include:

1. National Debtline
2. Debt Advice Foundation
3. StepChange

STA International – Final Thoughts

On Trustpilot, STA International has a rating of 2.5 stars. This illustrates how difficult it may be to work with businesses in this sector. They will frequently intensify their attempts, are frequently persistent, and could even pay you a visit.

However, by responding to some often asked questions, we may potentially assist you in confronting the issue. While you shouldn’t disregard letters from STA International, you should wait until you have all the facts before getting in touch with them. 

Make sure you are aware of your legal rights while dealing with them and don’t allow them to intimidate you.

Other Debt Collectors 

It is wise to make sure that you don’t have any other outstanding debts with other creditors or debt collection companies. Some steps to ensure this are as follows:

1. Check your credit report for any defaults that you have missed
2. Check your post and emails for any overdue letters or notices
3. Check the court records for any County Court Judgements (CCJ) against your name
4. Check your bank statements for details of other debt collectors

There are many debt collection agencies in the UK that work for various companies. Some of the famous ones to look out for are:

  • Cabot Financial
  • Lowell Financial
  • PRA Group

STA International Contact Details

Contact details are readily available on their official website. Don’t hesitate to reach out and begin a conversation.

Phone Number: 0162 252 8543
Address: 3rd Floor, Colman House, King St, Maidstone ME14 1DN
Opening Hours: Monday – Friday: 8am – 8pm
Website: www.stainternational.com

Key Points 

  • With over 60 years of expertise and a solid reputation as a respectable debt collection agency, STA International guarantees that all of its operations are legal and compliant with laws like the Fair Debt Collection Practices Act (FDCPA).
  • The company offers services to a wide variety of companies.In order to collect debts, it employs strategic methods and cutting-edge technology, always seeking to preserve goodwill between their clients and debtors.
  • STA International’s involvement in your debt situation can be alarming, but remember, they cannot seize your possessions directly or harass you. They are required by law to uphold ethical and fair practices.
  • If STA International contacts you about an outstanding debt, don’t ignore their communications. Disregarding them could escalate the situation, potentially leading to legal action like a County Court Judgement (CCJ) in the UK.
  • Debtors have rights; STA International cannot make false claims or use unfair practices. In case they cross their boundaries, you can seek help from authorities like the Citizens Advice or the Financial Ombudsman Service.
  • Upon receiving communication from STA International, the best course of action is to engage in a dialogue about your financial circumstances. There are possibilities to negotiate manageable repayment plans, hence preventing the issue from reaching court.


What do I do if I receive a letter from STA International?

If you’ve received a letter from STA International, it likely means you owe a debt that they’ve been hired to collect. It’s crucial to not ignore this letter. Instead, reach out to them to verify the debt and discuss your payment options.

Can They Take Possessions Directly?

No. STA International, as a debt collector, typically doesn’t have the right to seize your possessions directly.

Is STA International a Legitimate Debt Collector?

Yes, it is a reputable, fully licensed debt collector. They comply with all the necessary regulations, including the Fair Debt Collection Practices Act (FDCPA), ensuring their practices are ethical, transparent, and lawful

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