UK creditor and debt collector directory

This directory separates the legal entity, debt owner or collector, official contact route, complaints process and related debt guidance. An entity is only added when the core identity and source routes have been verified.

Verified creditors and collection entities

  • Barclays
    Original creditor: banking, card and overdraft arrears support and complaints.
  • Lloyds Bank
    Original creditor: loan, card, overdraft and mortgage payment support.
  • HSBC UK
    Original creditor: money-worries support, affordability and complaints.
  • Santander UK
    Original creditor: overdue payments, repayment plans and complaints.
  • EDF
    Energy creditor: bill arrears, affordable repayment support and complaints.
  • E.ON Next
    Energy creditor: payment difficulty, prepayment debt and complaints.
  • OVO Energy
    Energy creditor: payment support, account debt and complaints.
  • British Gas
    Energy creditor: bill arrears, payment support, recovery and complaints.
  • ScottishPower
    Energy creditor: payment plans, hardship support and complaints.
  • EE
    Telecom creditor: mobile and broadband arrears, payment support and complaints.
  • O2
    Telecom creditor: payment support, device-plan arrears and complaints.
  • Vodafone
    Telecom creditor: missed payments, defaults, debt collection and complaints.
  • Lowell
    Debt collection, official contact and complaints routes.
  • Cabot Financial
    Debt purchase, group structure, regulation and complaints.
  • PRA Group
    UK legal identity, FCA status and complaints route.
  • Intrum UK
    Debt purchase and collection, account queries and complaints.
  • Link Financial
    Legal identity, FCA status, customer contact and complaints.
  • Wescot Credit Services
    Collection role, group ownership, contact and debt-owner checks.
  • Moorcroft Debt Recovery
    FCA status, repayment options, account queries and complaints.
  • Resolvecall
    Client collection role, home visits, contact and complaints.
  • Capquest
    FCA status, Intrum group ownership, contact and complaints.
  • Overdales Legal
    SRA-regulated legal practice, litigation role and complaints.
  • Three
    Mobile creditor: Airtime and device-plan arrears, payment support and complaints.
  • BT
    Telecom creditor: bill arrears, payment plans, service restrictions and complaints.
  • Virgin Media
    Broadband and telecom creditor: missed payments, support, restrictions and complaints.
  • Klarna
    BNPL creditor: regulated deferred-payment credit, financial difficulty and complaints.
  • Clearpay
    BNPL creditor: missed instalments, late fees, collection and complaints.
  • Capital One
    Credit-card creditor: missed payments, payment plans, default risk and complaints.
  • NatWest
    Bank creditor: financial-difficulty support, missed payments and complaints.
  • American Express
    Credit-card creditor: financial hardship, persistent debt support and complaints.
  • Vanquis
    Credit-card creditor: missed payments, money-worries support and complaints.

Original creditor vs debt collector

A bank or lender may be the original creditor because it provided the account or borrowing. A debt collector may later administer or collect the account, and a separate debt purchaser may become the legal owner. These pages identify those roles so you can distinguish who provided the credit, who owns it and who is contacting you.

Before paying a debt collector

Confirm the account, original creditor, current legal owner and amount claimed. If you do not recognise the debt, raise that before agreeing payment. If the debt is unaffordable, prioritise essential household bills and consider independent debt advice.

Read the debt collector guide or find free debt advice.

Common debt collection stages

A debt collector contacting you does not automatically mean court enforcement has started. These guides explain the separate stages that may follow and the checks you can make at each point.