Aggressive collections
Wrongful debt letters, collection threats, or damage to a credit record.
1,965complaints of this kind in the census
284companies affected
94%graded severe
Where you stand
You can dispute an entry directly with the credit reference agency as well as with the firm.
General information about consumer rights in the UK, not legal advice for your situation.
Where to escalate
- Financial Ombudsman Service — Free and independent for banking, insurance, credit and payments — after you have complained to the firm and waited up to 8 weeks.
- Citizens Advice consumer service — Free first-line advice on consumer disputes in England, Wales and Scotland.
What people actually describe
“labelled as one as an excuse to withhold my monies”
“SP continued to bill me for it. Eventually I had to call out Cadent engineers. They confirmed a gas leak”
“persistently told that the ‘direct debit has failed’ when we didn’t even have one set up.”
Companies with the most reports of this kind
| Company | Reports | Share of its complaints |
|---|---|---|
| OVO | 76 | 8% |
| Creation | 49 | 5% |
| Enstroga UK | 38 | 66% |
| IONOS | ionos.co.uk | 33 | 10% |
| Creditspring | 18 | 15% |
| Euro Car Parks | 17 | 8% |
| Startline Motor Finance | 15 | 13% |
| Veteran Debt Assistance | 15 | 18% |
| E.ON SE | 13 | 14% |
| Jaja | 12 | 6% |
| Tower Loan | 12 | 12% |
| OakbrookAdvance (formerly Finio Loans) | 11 | 15% |
Counts depend on how many of each company’s reviews are in the census, so this ranks what we have read, not the whole market. See the full ranking.