Do you have debt with Swift Credit (Marston Holdings)?

See how much debt you can legally write off. Answer the following to get started.

How much debt do you have?


Swift Credit Services Ltd.

Swift Credit Services provides debt recovery systems and enforcement services across England and Wales.

Talk About Debt offers advice and guidance to anyone who has recently been pursued by Swifts regarding outstanding payments on any of their accounts.

Enforcement agents (bailiffs) are employed through court services and hold additional legal powers to those of a typical debt collection agency. Being chased to repay money you owe can be very stressful, so finding an amicable solution within your means should be a priority.

We can guide you through your best repayment options or how to have your debt removed wherever possible. We can also help you deal with a bailiffs’ visit, how to become debt-free again and help you to stay that way.

The golden rule when dealing with any bailiff

Never give bailiffs access to your home or belongings.

In simple terms: DON’T LET THEM IN.

Whatever they might tell you, you don’t have to grant an enforcement agent access to your home. Working for the courts, they can request a court order to allow them the access they require, but it’s unlikely they’ll hold one on their first visit.

This gives you time to deal with your debt issue; to arrange suitable repayment options or to find the best assistance to manage your case.

In the meantime, keep all doors and windows locked and closed. A bailiff will use every trick in the book to enter your home, as this is where they can deliver the most pressure.

Swift Credit Services Ltd. contact details:

Company Name: Swift Credit Services Ltd.

Other Names: Swift, Swift Credit, Swift Credit Services, Swift Bailiffs, Swift Credit Enforcement, Marston Holdings, Marston Holdings Group, Marston’s

For HM Courts and Tribunal Services cases:
PO Box 12019
CM16 9EB

For Local Authority Taxes or Parking offences:
PO Box 324

Main Contact Number(s):
HM Courts & Tribunals cases: 0333 320 1822
Local Authority Taxes or Parking Offences: 0333 320 2533



Opening hours:

Monday–Friday: 8:00am–8:00pm
Saturday: 8:00am–4:00pm

Who is Swift Credit Services Ltd.?

Founded in 1974, Swift Credit Services is one of Wales’ leading providers of judicial services.

They became part of Marston Holdings Group in August 2013, which means they now have access to facilities to retrieve outstanding debt throughout the UK.

They work on behalf of local authorities, Magistrates’ Courts, commercial landlords, solicitors as well as public and private sector clients.

The Ministry of Justice regulates all bailiffs and enforcement agencies.

Why would Swift’s bailiffs contact you?

Most debt recovery cases managed by Swifts relate to unpaid council tax, business rates, penalty charge notices, and commercial rent arrears.

A Court-appointed enforcement agent is entitled to remove and sell your property if you fail to make adequate contributions towards what you owe.

Items Swift’s enforcement agents can take from you:

  • Jewellery
  • Your car
  • Electrical goods
  • Joint-owned items
  • Your television
  • Games consoles
  • Antiques
  • Cash

Items Swift’s enforcement agents can’t take from you:

  • Landline or mobile phone
  • Work tools up to £1,350 in value
  • Belongings owned by someone else living in your home
  • Heating and lighting appliances
  • White goods, for example, your cooker, fridge, freezer
  • Clothes, food and daily essentials
  • Your dining table and chairs
  • Pets or assistance dogs

You will want to protect your belongings wherever possible, and there are steps you can take to prevent their removal.

You should have been given advanced warning of your bailiff’s visit, so could you arrange to store your valuable possessions at a friend’s or family member’s home prior to their arrival? They can only take what they can find, after all.

However, if you comply with their requests to find a repayment solution, your belongings should remain quite safe.

We can help arrange a suitable resolution for both sides in a simple and stress-free manner, all you need to do is talk to TAD today to find out more about your options.

What happens to the goods Swift take from you?

In a worst-case scenario, any belongings taken by Swift’s bailiffs will be sold and the money raised will be used to pay towards the money you owe and any costs accrued during its retrieval.

Selling your property is the bailiff’s last resort. When they do gain access to your home, they will make what’s called a Controlled Goods Agreement. This document outlines the items they find that they believe are worth selling. Once items are added to this list, you are not allowed to sell them yourself or have them removed from your home.

The best way to protect your belongings is to find a way of paying back the money you owe, comfortably within your means.

What happens when Swift Credit Services try to take your car?

Our car is usually one of our most valuable assets. Even an older vehicle can fetch a reasonable amount in scrap value, so it will feature high on your bailiff’s list of items to sell.

Disabled driver’s vehicles are safe; the law protects any car displaying a Blue Disabled Badge. So are vehicles still under a hire purchase agreement.

You can try to protect your vehicle by parking it on private property where the bailiffs don’t have legal access. This can include your neighbour’s garage or driveway.

Bailiff’s fees

The Taking Control of Goods Regulations 2014 governs your bailiff’s fees and what they can charge. However, the fees are high, and enforcement agencies can apply all sorts of charges throughout the process.

All fees will add to your existing debt, making repaying what you owe considerably more difficult.

Letters and notifications can cost as much as £75, and home and work visits £235.

If you’ve been contacted by Swift Credit and need some help or advice, talk to TAD today. 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 Swift Credit Services, Marston Holdings or any of the bailiffs or agencies included in our directory.