Do you have debt with Wescot Credit Services Ltd?

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

How much debt do you have?


Do you need advice on how to deal with collection agents from Wescot Credit Services? If so, we’ve got the answers to all of your questions.

Do any of the following questions apply to your current situation?

  • Do you need to make a payment?
  • Have you lost the payment details?
  • Have you lost the information that explains your account?
  • Is your debt collector threatening to take your belongings?
  • Do you find your legal rights confusing?
  • Are you worried about losing your home? Your car? Or your personal belongings?

If the answer is yes, then this page is for you. We’ve gathered all the details you need about Wescot, including their contact details and reason they’d contact you to help you navigate through your situation.

Wescot Credit Services contact details:

Company Name: Wescot Credit Services Ltd.

Other Names: Wescot, Wescot Credit, Wescot Credit Services

PO Box 137

Main Contact Number(s): 01482 484673



Opening hours:

Monday – Friday: 8:00am–9:00pm
Saturday: 8:00am–4:00 pm
Sunday: 9:00am–4:00pm

Why choose Talk About Debt?

  • Write off unsecured debt over £6,000
  • Stop interest and charges soaring
  • Reduced payments from £100 per month

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Who is Wescot Credit Services?

Wescot Credit Services is a debt collection agency that is authorised and regulated by the Financial Conduct Authority (FCA).

They are employed by lenders, credit companies and organisations to recover the debts that the original providers don’t have the resources to recover by their own means.

They typically collect outstanding money on behalf of large banks, credit card companies, energy, utility and telecoms providers, as well as other significantly sized organisations.

Why would they contact you?

If you owe money to a bank or for bills that you haven’t paid in full, it’s most likely Wescot Credit Services has been employed to recover what you owe.

When you get their first letter, it will show you who they are working for and the outstanding balance on your account. Whether you believe you owe the money or not, you need to contact them as requested to organise how you should manage the issue

If you don’t, they will continue to contact you in all the ways possible to begin the repayment process. If you ignore them or refuse to speak to them, they can take matters to court to force you into action.

In cases where you do owe them money, replying to their letter is the first step you should take. Hopefully, they’ll help you find ways to repay the outstanding balance in amounts that you can afford.

If you’re not sure about any of the details in their correspondence, talk to TAD. Our resident debt robot can help explain what it all means and offer you advice on what to do next.

Do you owe Wescot Credit money?

If you believe the account you are being chased to pay doesn’t apply or belong to you, then you shouldn’t have to pay.

There are several ways this can happen.

  • The account could be one that applies to a previous occupant at your home
  • It could have been set up by fraudulent means
  • You might be a victim of mistaken identity
  • The records of previous payments may have been mislaid or lost

If you think there’s a problem with any of the details of the debt, advice is available. Talk to TAD today to find out more.

How old is the debt they are collecting?

Some debts that are over a certain age can be cancelled if they conform to the correct conditions.

If you haven’t made contact or payment towards the debt for a specific length of time, then you could have what is known as a statute barred debt.

Should this be the case, the debt can be dismissed without further payment.

If you think the debt in question should be statute barred, there are things you can do. You can check your credit report to see if the debt is listed or has been paid, you can also contact them for further advice.

How we helped Sarah

The process was really clear and the team explained everything that I needed to know in order to make the right decision. They were very understanding and made me feel at ease”

Sarah, London

Get help like Sarah


Is Wescot Credit treating you unfairly?

There are many different methods of recovery Wescot Credit can claim back the money you owe. However, there are strict rules and laws that dictate how they can do it and what they aren’t allowed to do.

If you have suffered or been subjected to, any of the following, or anything that sounds similar in behaviour, you may be entitled to complain and apply for compensation:

  • Harassment
  • Bullying
  • Calling at unreasonable times
  • Calling constantly and visiting your home or work to apply excess pressure
  • Trying to confuse you with industry jargon and technical terms
  • Sending correspondence designed to look like a court form
  • Claiming they have legal powers that they don’t
  • Pressuring you to take out further loans to repay what you owe them

Managing your debt

We deal with debt collection agencies and bailiffs every day. We know all the tricks they use and the processes to recover the money you might owe.

Most of the companies we deal with are fair and operate to help their clients take control of their finances back without a hitch.

If you are one of the unlucky ones whose journey isn’t straightforward or easily organised, we can help.

Our expertise and experience stand to help you resolve your situation with the least amount of fuss possible. We’re here to help take the stress out of what can be a very sensitive situation.

Not only will we help you through what is often a very stressful situation, but offer advice on how you can protect yourself from similar situations arising in the future.

*Talk About Debt is not associated with Wescot Credit or any of the agencies in our debt collection agency and bailiff directory.