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Questions about Debt Collection Agency

Why is my account now with a Debt Collection Agency?

The business has made the decision that when accounts reach a certain stage within the Collections cycle, they may be outsourced to a third party company for collection. Your contractual agreement remains with us but going forwards, your account will be managed by them. If this relationship changes in the future, we will let you know.

What does this mean to me?

If you have not already had one, you will receive a communication from the appointed Debt Collection Agency introducing themselves, and advising they are now servicing your account on our behalf. The letter will provide details on how you will be able to contact them.

Who is my account being managed by?

Your account will be with;

1) BW Legal

You will receive a letter from the appointed debt collection agency confirming this.

How do I contact the appointed Debt Collection Agency?

You can contact BW Legal by:

  • Calling 0113 3234502
  • Emailing
  • Writing to: BW Legal, Enterprise House, 1 Apex View, Leeds, West Yorkshire LS11 9BH



How will this affect my credit rating?

The action of outsourcing your account to a third party for collection has no direct impact on your credit file. However, the longer the arrears continue, the greater the risk that this will adversely affecting your credit rating, which may make it more difficult or expensive to obtain credit in the future. Please remember that free, impartial debt advice is available to you.  Below are some debt advice charities/services that specialise in assisting customers in financial difficulty:

Citizens Advice


National Debtline

0808 808 4000

Step Change

0800 138 1111

Money Advice Service

0800 138 7777


0800 280 2816

I am in an IVA/Bankrupt/DMC or other form of insolvency, what happens?

Please send any correspondence to the appointed Debt Collection Agency, and they will proceed accordingly. Their contact details are:

BW Legal

0113 323 4502
BW Legal, Enterprise House, 1 Apex View, Leeds, West Yorkshire LS11 9BH


Do I need to take any further action?
    You will need to contact the Debt Collection Agency who is now servicing your account, any payments will need to be made to them.
The person who you have written to is deceased, what do I do?

Please accept our condolences. Please contact our Customer Care Team on 0800 0696 200 or email to advise. Alternatively, you can contact the Debt Collection Agency directly using the details provided within the letter.  They will be able to explain the information we might need from you.

Representative Example: £300 borrowed for 3 months. Annual interest rate of 292% (fixed). Total amount repayable is £490.17 in 3 monthly instalments of £163.39. Representative 1190% APR.

Warning: Late repayment can cause you serious money problems. For help, go to

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