Aggressive collections
Wrongful debt letters, collection threats, or damage to a credit record.
1,402complaints of this kind in the census
256companies 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
“they are now threatening to fine me if I do not sign a credit agreement with them”
“Still harassing me over a bill issue that was supposedly resolved sometime ago.”
“I was informed that the account had been passed to a debt collection agency.”
Companies with the most reports of this kind
| Company | Reports | Share of its complaints |
|---|---|---|
| OVO | 58 | 8% |
| ScottishPower | 51 | 6% |
| EDF UK | 31 | 5% |
| Creditspring | 17 | 19% |
| Veteran Debt Assistance | 14 | 18% |
| E.ON SE | 13 | 14% |
| Startline Motor Finance | 12 | 12% |
| Card Saver | 9 | 17% |
| OakbrookAdvance | 9 | 16% |
| Heights Finance Corporation | 9 | 17% |
| Tower Loan | 9 | 13% |
| Americor | 9 | 17% |
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.