Overview

The Intrum Group took over 1st Credit Debt Collectors in February 2017.

If you’ve been contacted by the Intrum Group due to outstanding debt or credit issue, the information below may be of great use to you.

Intrum’s debt collection agents can contact you in many ways: by letter or phone, and in many cases, they will visit your home or place of work to try and recover what you owe.

If you are being chased for a debt that you aren’t sure is yours, check any outstanding accounts previously being managed by 1st Credit. This could be the simplest explanation.

We hope that with our expert advice, we can help you deal with a stressful situation and bring you some peace of mind. If you need any more details about 1st Credit or Intrum that aren’t covered in the contact information, services and practices detailed below, just talk to TAD, our resident debt expert.

1st Credit Debt Collectors contact details:

Company Name: 1st Credit Limited / Intrum UK Limited

Other Names: 1st Credit Debt Collectors / Intrum

Address:
The Omnibus Building
Lesbourne Road
Reigate
Surrey
RH2 7JP

1st Credit Main Contact Number(s): 01737 237370 or 24 Hour IVR Payment Hotline: 0203 131 2356

Intrum Main Contact Number(s): 01737 237 370

Fax: 01737 887697

Website: www.1stcredit.com / www.intrum.co.uk

Email: enq@1stcreditltd.com

Other phone numbers that they might use to contact you:

01737 235228, 01737 237376 or 08433 200000

Opening hours:

Monday–Friday: 8:00am–8:00pm
Saturday: 9:00am–1:30pm
Sunday: Closed

Who is 1st Credit Debt Collection (Intrum UK)?

Intrum is a debt purchase and collection company. They buy debts such as unpaid loans, credit cards, store cards as well as other debts from banks, retailers, and utility and telecom providers.

Once they have bought the debt, they become the new owner, and they are then responsible for chasing you for payment of what you owe.

Your debt may have been sold to Intrum due to payments not being made. A lot of the time, lenders don’t have the resources to justify chasing upaid accounts, so they sell them to debt collection companies – usually for less than what you originally owed.

Intrum UK Limited is regulated by the Financial Conduct Authority (FCA), and they follow the Credit Services Association code of conduct.

Why would they contact you?

If you still carry an outstanding debt that Intrum has purchased from your original creditor, they will pursue you to collect the full amount that you owe.

It’s standard practice to send letters and make phone calls in an attempt to renegotiate your payment plan. They may visit your home or workplace if you don’t respond to their initial enquiries.

The only way to stop them pursuing the debt is to deal with the problem. If you are unsure of your rights, we are here to help you.

Do you owe 1st Credit Debt Collectors or Intrum money?

If you don’t think you owe the debt you are being chased to pay, then you need to prove that full payment has been made or that the debt wasn’t yours to begin with.

However, you must check. Never neglect a debt pursuit or ignore it. If you do, you may end up facing prosecution.

If you do owe the debt, then you should never be forced to pay more than you can afford. A good agency will help you manage your payments into affordable instalments. If you are being pressured to pay unrealistic amounts, make a complaint to the agency and the Financial Ombudsmen Service.

How old is the debt they are collecting?

Some older debts can be disregarded, but there are conditions that need to be met for this to be done correctly.

If your debt hasn’t been chased in six years, it is known as statute-barred and will no longer be legally owed.

If the debt is active, you must seek advice to repay it; otherwise, you may face court action.

Is Intrum treating you unfairly?

There are strict laws about debt collection, designed to protect you as a consumer. They are managed and laid out by the Financial Conduct Authority. If you feel you are being treated wrongly, the best thing to do is to bring this to the company’s attention. You can then go to the Financial Ombudsman Service if this doesn’t get you anywhere

There are rules to protect you from being harassed, submitted to unnecessary pressure, unfair payment plans and amounts, and much more. You can find out more about these here.

Managing your debt

We deal with businesses just like Intrum every day. It’s our job to help those who are struggling with a repayment program to find a manageable solution and remove the stress and pressure from the situation.

If you need help managing debt or dealing with a debt collection company, we can help. We deal with cases just like yours every day and are fully equipped to get you the best outcome possible.

Support from our trusted debt advice partners will help you determine the state of your debt to be certain you do owe the money, or if it has been statute barred.

If they can challenge the debt, they will make sure you don’t have to pay them a penny.

If, however, the debt is live, then they can help you find a debt solution that suits your circumstances to help regain control of your finances.

Your debt solution will allow you to repay what you owe with monthly payments based on what you can realistically afford each month.

For help dealing with your debt, talk to TAD to be connected with one of our trusted debt partners.

*Talk About Debt is not associated with 1st Credit Collection, Intrum UK, or any of the agencies in our debt collection agency and bailiff directory.