Intrum (1st Credit) Debt Collectors – How To Deal With Them? (2023)

There are lots of debt collectors operating across the UK, includingIntrum (formerly 1st Credit Limited). If you’re reading this guide, there’s a good chance that you might already have been contacted by them.

Regardless of your situation, there’s no need to panic. There are lots of options available to debtors in the UK, and this guide contains all the information you need to know about Intrum and their debt collection practices.

Who are Intrum debt collectors?


Intrum (previously known as 1st Credit debt collectors) is a debt purchasing firm that buys debts from a variety of businesses.

Intrum Group are a large multinational firm that claims to be “the world’s leading debt collection and credit management company”.

Why have Intrum debt collectors contacted me?

If you’ve received communications from Intrum, you could have an outstanding debt. Your debt might have originally been with another company, however this could since have been purchased from the creditor by Intrum.

Are Intrum debt collectors legitimate?

Intrum UK Limited is a legitimate company, registered in the UK withCompanies Houseunder company Number 03752940. They are known to purchase outstanding debts from a range of other companies before going on to collect the total owed from debtors.

Intrum is a member of the Credit Services Association (CSA), which means that they must follow a strict code that governs how they treat debtors. To review the full code of practice, visit theCSA website.

Are Intrum regulated by the FCA?

Intrum is authorised and regulated by the Financial Conduct Authority (FCA). They can be found on the FCA’s register at the followinglink, under reference number 718918.

What debts do Intrum collect?

Intrum purchase and recover debts from a range of businesses that include banks, credit card companies, retailers, and utility and telecom providers. They also collect debts on behalf of other companies.

What action can Intrum take?

Intrum (1st Credit) Debt Collectors – How To Deal With Them? (1)

It might help to understand Intrum’s process a little better if they are trying to collect an outstanding debt from you.

To begin with, Intrum will probably contact you to request payment of the debt and request that you visit their website or call their team to settle your account. If you accept that you owe the debt they’re referring to but can’t afford to pay it all off, Intrum may be willing to agree to a payment plan that helps you to repay over time in more affordable instalments.

If you refuse or simply ignore them, they could send debt collectors to your home. Don’t worry if this happens, as whilst the situation is serious the debt collectors cannot enter your home or remove goods without your consent. If you will not engage with them, Intrum may take you to court to pursue the matter further.

How to deal with Intrum?

The best way to deal with Intrum will depend on your individual circumstances. How you should respond might depend on whether you can afford to pay what you owe, or if you dispute the fact that you owe the debt at all.

In most cases, there are several courses of action that you could take. These include:settling your debt with Intrum in full,making a part payment,agreeing to a payment plan with Intrum,seeking to write off your debt byusing an insolvency solution,or alternatively disputing the fact that you owe money to Intrum in the first instance.

How to check if you actually owe money to Intrum?

Whether you dispute a debt or not, you may wish to establish whether you actually owe the money that Intrum are trying to collect. When asked, they should be able to confirm your total debt figure and name the company that they are collecting the debt on behalf of.

Any information provided can then be double-checked against your own personal records to make certain that all information is correct and that you owe the amount they are chasing.

Can Intrum take you to court?

Intrum could take you to court to make a claim for any money you owe. In many cases, any court action would involve the company that you actually owe money to seeking out a County Court Judgment against you. This is more likely to happen if you refuse to engage with Intrum when they request payment of your outstanding debt, or where you simply ignore their communications.

Generally speaking, debt collectors are more likely to work with debtors if they communicate clearly and are keen to find a solution to their problems. When it comes to debt, ignoring the problem simply doesn’t cut it.

Will Intrum come to my house?

Intrum (1st Credit) Debt Collectors – How To Deal With Them? (2)

Intrum debt collectors can attend your property, but their field agents cannot force their way in. This is because they can only send debt collectors and not bailiffs, meaning that they have very limited powers and can only really ask for you to pay off what you owe.

Do I have to let debt collectors into my house?

No, Intrum debt collectors are not bailiffs and they have no authority to enter your property unless you choose to invite them in.

Can Intrum send bailiffs?

Intrum cannot send bailiffs of their own accord, however, a court may do so if you fail to pay what is required of you under a County Court Judgment (CCJ).

At most, Intrum could send debt collectors to ask for you to cooperate with them by repaying an outstanding debt.

Does Intrum buy debts?

Yes – Intrum become involved in the debt collection process by purchasing outstanding debt accounts from other companies who have been unable to collect what they are owed. The process involves Intrum purchasing debts at a reduced rate, before attempting to collect what is now owed to them. This practice is commonplace among some debt collection companies, and credit agreement contracts frequently include terms that allow this to happen.

Can I stop them from contacting me?

You won’t usually be able to stop Intrum from contacting you without the help of a formal debt solution. For more information on how a debt solution could help your situation, it could help to read more aboutDebt Relief Orders(DROs) and Individual Voluntary Arrangements (IVAs).

Intrum can still contact you unless a solution such as those described above is in place, but you can ask for them to only contact you in certain ways – for instance via post and not by phone.

How to write off my debt with Intrum?

Whilst Intrum probably won’t entertain the idea of just writing your debt off, they may consider a full and final settlement offer put to them, even if it doesn’t cover the full total figure owed. If such an offer is accepted, you may wish to request written confirmation that no further action will be taken against you once payment has been made.

Intrum might even agree to a payment plan if you cannot afford to settle what you owe outright. If you feel it would be beneficial to repay what you owe in more affordable instalments and over a longer period of time, contacting Intrum could help you to find an effective repayment rate.

Generally, it is only possible to write off debt via a formalinsolvency solution.

How to contact Intrum?

Communication is vitally important when you’re dealing with debt. To contact Intrum, use the details set out below.

Full Company Name:Intrum UK Limited (known as 1st Credit Limited prior to 1st March 2018)

Phone number:01737 237 370

Office address:

The Omnibus Building
Lesbourne Road
Reigate Surrey RH2 7JP

How to complain about Intrum?

Intrum (1st Credit) Debt Collectors – How To Deal With Them? (3)

If things go wrong, there are several ways you can go about complaining to Intrum.

To complain directly to Intrum, you can contact them using the details in the section above. You can also download a copy of their complaints form from the following link. This can then be emailed or posted to Intrum to commence the formal complaints process.

As Intrum is a member of the Credit Services Association (CSA), complaining customers can request that the CSA act as a mediator for their complaint. They can be contacted via telephone (01912 17 0775) and more information is available on this course of action

Finally, if you feel that your complaint has not been deal with in a satisfactory or fair way, you may wish to refer the complaint to the Financial Ombudsman Service. Not all complaints fall within the Ombudsman’s jurisdiction, but those that do must be brought to their attention within six months of Intrum issuing their own response. The Financial Ombudsman Service can be contacted via telephone (0300 1239 123) or email (, and more information is available on their website

Bottom Line

Intrum is a leading UK debt purchasing firm, working to collect debts that they have purchased from other firms, and in some cases as a debt management company on behalf of other creditors. Whilst any dealings with a debt collector are likely to be stressful, Intrum is a member of the Credit Services Association (CSA) and so they should act fairly and reasonably when dealing with debtors.

If you’ve been contacted by Intrum, don’t panic. After reading this guide you should have a better picture of who they are and can start to plot a route forward.

Frequently Asked Questions

Intrum (1st Credit) Debt Collectors – How To Deal With Them? (4)

What happened to 1st Credit debt collectors?

As we’ve mentioned, Intrum used to trade in the UK as of 1st Credit Limited. Intrum’s website explains that they acquired First Credit Limited – and the name change became effective from 1st March 2018. The company is now part of the Intrum Group – large international credit management and debt collection agency.

What is Intrum UK Limited?

Intrum UK Limited is the company name of Intrum debt collectors – the new name for 1st Credit Limited. The firm is registered in the UK under company number: 03752940.

Does HMRC use Intrum debt collectors?

No – HMRC does not list Intrum Limited among the companies it currently instructs to collect debts on their behalf. For a complete list of the debt collectors used by HMRC, visittheir website.

Who owns Intrum debt collectors?

Intrum UK Limited (and, therefore, 1st Credit Limited debt collectors) are owned by the international Intrum group of companies. To find out more about the parent Intrum Group, visit their website at

What payment methods do Intrum accept?

Intrum accepts a variety of different payment methods – including bank transfer, direct debit, standing order, cheque, postal order, and debit card.

Can Intrum take my car?

Intrum cannot immobilise your car or take it in full or part payment of a debt unless that debt is secured over the vehicle.

Can Intrum sell my home?

Intrum could sell your home, but they’re unlikely to do this unless you have continually refused to repay what you owe over an extended period of time. Intrum would need to take you to court to seek a County Court Judgement against you, unless the money you owe relates to a debt secured against your property such as a mortgage. If a CCJ was granted against you, Intrum would still need to seek a charging order for your home to be sold.

How long can Intrum legally chase my debt for?

Under the Limitation Act 1980, creditors have six years to chase the majority of unsecured debts – and the period begins from the date of your last payment or acknowledgement of the debt. Once this period has elapsed, Intrum will not be able to take legal action against you to enforce the debt.

You can’t just wait for this time to elapse, however, as Intrum are likely to chase you for the outstanding figure and perhaps even seek a County Court Judgment (CCJ) against you if you refuse to pay.

Can Intrum issue a warrant?

Intrum cannot issue a warrant, but a court could if a CCJ has been granted against you.

Can I ignore Intrum debt collectors?

Intrum are unlikely to just forgive or forget a debt, and they could escalate the matter if you choose to ignore them. To start with this might mean a visit from their debt collectors, but it could even progress to court where Intrum could seek a County Court Judgment (CCJ). If this is granted, you will be required to pay up and failing to do so could lead to a visit from the court bailiffs.

Can you ignore a letter of claim from Intrum?

Before a CCJ claim reaches court, Intrum will first issue a ‘letter of claim’ to confirm what you owe and to inform you of the pending legal proceedings. Debtors normally have 30 days to respond to a letter of claim, and there will normally be a reply form enclosed with the letter.

Once legal action has commenced, debtors can expect to receive communications directly from the Court. If you fail to act on official CCJ documentation received from the County Court, bailiffs may be instructed to visit your home.

Can Intrum recover debts during the coronavirus?

The COVID-19 pandemic has had a huge impact on the way we all live our lives, but debt purchasing firms such as Intrum are still operating. They may still contact you to pay, but reputable firms should be willing to consider your individual circumstances and may consider working with struggling debtors to find an agreeable way forward.

On their website, Intrum state that anybody who has been affected by COVID-19 and is struggling financially should contact them as soon as possible so they “can provide a suitable solution”.

Often, the best approach is to keep an open mind and don’t be afraid to contact them if you feel that you really can’t pay.

What if I can’t afford to pay?

If you’re struggling to cope with your financial situation, help is on hand. In the event that you’ve received a letter or another communication from Intrum, don’t feel that you have to pay up without taking time to consider your position. The organisations listed below can provide free and impartial advice that could help you to make sense of your situation:



What happens if I ignore Intrum? ›

If you ignore debt collectors at first they may send doorstep collectors. Secondly, they may apply for a County Court Judgement, which if successful would force you to pay and would show on your credit report. Can Intrum Justitia take you to court?

How do you outsmart a debt collector? ›

6 Ways to Deal With Debt Collectors
  1. Check Your Credit Report. ...
  2. Make Sure the Debt Is Valid. ...
  3. Know the Statute of Limitations. ...
  4. Consider Negotiating. ...
  5. Try to Make the Payments You Owe. ...
  6. Send a Cease and Desist Letter.
Sep 3, 2022

What does the Intrum collect for? ›

Who is Intrum? We are a debt purchase and collection company. We buy unpaid loan, credit card, store card and other debts from banks, credit card companies, retailers, and utility & telecom providers. We also collect debts on behalf of other lenders.

What should you not say to debt collectors? ›

If a debt collector tries to collect a time-barred debt from you, the most important thing is not to say or do anything that in any way admits that you owe the debt. By acknowledging the debt or even making even a token payment, you might inadvertently restart the limitations period.

Can you just ignore a debt collector? ›

Ignoring or avoiding the debt collector may cause the debt collector to use other methods to try to collect the debt, including a lawsuit against you. If you are unable to come to an agreement with a debt collector, you may want to contact an attorney who can provide you with legal advice about your situation.

What happens if you refuse to pay a debt collector? ›

While it may be tempting to simply ignore debt collectors, that is generally a poor long-term strategy. Several potential consequences of not paying a collection agency include further impacts to your credit score, continuing interest charges and even lawsuits.

What is the 11 word phrase to stop debt collectors? ›

Use this 11-word phrase to stop debt collectors: “Please cease and desist all calls and contact with me immediately.” You can use this phrase over the phone, in an email or letter, or both.

What is the 11 word phrase credit loophole? ›

Summary: “Please cease and desist all calls and contact with me, immediately.” These are 11 words that can stop debt collectors in their tracks. If you're being sued by a debt collector, SoloSuit can help you respond and win in court.

What tricks do debt collectors use? ›

Top 7 Debt Collector Scare Tactics
  • Excessive Amount of Calls. ...
  • Threatening Wage Garnishment. ...
  • Stating You Have a Deadline. ...
  • Collecting Old Debts. ...
  • Pushing You to Pay Your Debt to “Improve Your Credit Score” ...
  • Stating They “Do Not Need to Prove Your Debt Exists” ...
  • Sharing Your Debt With Family and Friends.
Dec 1, 2022

Which companies use Intrum? ›

Intrum is a debt collection company, who purchase and collect debts for a range of companies and individuals. Intrum collects debts for HMRC, Npower, EE, O2, United Utilities, Virgin Media. Intrum also works with Local Authorities to recover council tax arrears or parking tickets.

What happens when debt collectors come for you? ›

Beyond contacting you directly, they can take you to court and sue for what you owe them. If they win—or you don't show up in court—they may be able to take money from your bank account, garnish your wages or place a lien on your property. After a certain period, debt collectors lose the right to sue you in court.

Why should I pay a collection agency? ›

You may want to pay a collection agency if:

If you owe the full amount of the debt and the agency owns the debt. If you want to resolve the matter as quickly as possible and have the money to do so. If you believe you have a moral responsibility to pay off debts regardless of whether they are actually owed.

What's the worst a debt collector can do? ›

The worst thing they can do

If you fail to pay it off, the collection agency could file a suit. If you were to fail to show up for your court date, the debt collector could get a summary judgment. If you make an appearance, the collector might still get a judgment.

How do you defend against a debt collector? ›

Summary: If you're being sued by a debt collector, here are five ways you can fight back in court and win: 1) Respond to the lawsuit, 2) make the debt collector prove their case, 3) use the statute of limitations as a defense, 4) file a Motion to Compel Arbitration, and 5) negotiate a settlement offer.

Do debt collectors give up? ›

Collection agencies are hired by different businesses or money lenders. They work to collect payment on overdue bills and loans. Often these collection agencies will not walk away from an account regardless of how little you owe.

What are the consequences of ignoring debt collectors? ›

Let's jump right in.
  • Your credit will take a hit. The credit bureaus are a dangerous weapon in debt collectors' hands. ...
  • The amount of debt could continue to increase. ...
  • Family and friends might be contacted about your debt. ...
  • Your stress and anxiety levels will probably increase. ...
  • You will probably be sued.

What happens if I ignore debt letters? ›

If you ignore the letters there is a chance the debt collector won't go to court. This probably depends on how certain the debt collector is that you are the debtor. But in many cases they will go to court if you don't respond to them.

How long can you ignore collections? ›

How Long Can You Ignore Debt Collections? While it's not wise to ignore a debt collector, you might be able to put them off long enough so that you don't end up in court. A debt collector has a certain period of time (typically three to six years) to file a lawsuit against you to collect the money you owe.

Should I ignore debt collection? ›

Your credit score could take a hit if you repeatedly ignore calls from debt collection agencies. This might make it difficult to take out a loan in the future—or even get a part-time job, since many employers run credit checks prior to hiring.

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