Wescot Credit Services Ltd Reviews 

212
TrustScore 4.5 out of 5

4.4

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Review summary

Created with AI, based on recent reviews

Looking at 91 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the staff for being exceptionally polite, understanding, and very helpful during phone calls. Consumers note that the representatives provide clear advice, explain all available options thoroughly, and always handle stressful financial situations with genuine compassion and respect. However, some people mentioned experiencing frustrating issues with rigid payment demands and occasional unhelpful, distressing interactions during calls. Some reviewers were also not happy with ongoing communication gaps, noting that requested account updates, payment agreements, or balance details were frequently ignored, delayed, or mishandled by the support team.

What people talk about most

Staff

Clients share positive opinions on staff, frequently describing representatives as polite, patient, and... See more

Customer service

Customers had positive experiences with customer_service, frequently highlighting the helpful, polite, and... See more

Payment

Users describe negative interactions with payment, expressing deep frustration over blocked accounts and... See more

Customer communications

Reviewers mention ambiguous feedback about contact, reflecting a mix of experiences. Some consumers report... See more

Service

People report positive experiences with service, noting that call handlers are professional, very friendly,... See more

Reviews shaping this summary

Rated 4 out of 5 stars

Most of agents are very friendly and nice to talk with however there are some really horrible ones too unfortunately and they don't listen and don't try to help you at all. Over than that you can get... See more

Company replied

Rated 5 out of 5 stars

Very helpful friendly and understanding no matter what your problem your always treated with respect .they can offer a lot of choices to suit your needs .to help you move forward although not nice for... See more

Company replied

Rated 5 out of 5 stars

Having worked in Lloyds Bank and helped people to sort out their finances, I never thought I would be in the same position, through no fault of my own. In short when I had to leave the Bank at 60 as I... See more

Company replied

Rated 5 out of 5 stars

The conversation was clear polite and very helpful. I was asked if my position was ok & offered help if I needed it. The whole experience was kind & considered. Thank you

Company replied


Company details

  1. Debt Collection Agency

Written by the company

Wescot Credit Services is a leading Debt Collection Agency in the UK. Wescot work on behalf of a variety of financial institutions. Wescot understands that everyone’s situation is different and we will work with you as an individual to find the best solution for you. Wescot is authorised and regulated by the Financial Conduct Authority. We are also members of the Credit Services Association.


Contact info

4.4

Excellent

TrustScore 4.5 out of 5

212 reviews

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No recent history of asking for reviews

This company hasn't invited customers recently, so reviews may not be representative

Replied to 57% of negative reviews

Typically replies within 24 hours

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4.4

All reviews

(212)

98 reviews in the last 12 months

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Rated 1 out of 5 stars

No compasion, dont listen, read off a script

I answered a phone call as my wife has a debt.
I said i want togive you an apdate on my wife.
I said she is seriously ill in hospital,she had life saving surgery last night and we dont know if she will survive, the person i spoke to, replied,well when will be able to phone us, i raised my voice and said open your ears stop reading off a script,and listen to me,i repeated the above,and again when can we expect her to call,i got annoyed and shouted at her,we dont know if she will survive,she sail i will put you on hold,came back with when will she be paying, how many more bloody times she i seriously ill,, she replied i will transfer you to someone that can help, i said again listen to me now,i dont have time,i need to be at my wifes bedside, she said, can you give me her hospital details what illness she has,what operation has she had,and her consultant details, i said are you really been serious, send the debt back to your client,i dont want to talk you anymore,your now wasting what precious time i may have left with her.
I will not answer any more calls from this number.

THEY DONT HAVE INTEREST IN ANYONES WELFARE,THEY ONLY BOTHERED ABOUT SETTLING A DEBT,NO COMPASION,AS I WRITE THIS IM SAT BY MY WIFES BEDSIDE,HOPING AND PRAYING SHE WILL SURVIVE THE NEXT FEW HOURS,AND MAYBE A LOT LONGER.
WESTCOT YOU SHOULD BE ASHAMED OF YOURSELVES AND YOU UNLISTENING STAFF

21 June 2025
Unprompted review
Rated 5 out of 5 stars

Sam from wescot

Sam was very helpful and talk me through everything on the phone and got my Account sorted, great customer service 10/10

24 March 2025
Unprompted review
Rated 1 out of 5 stars

I've had a random direct debit applied…

I've had a random direct debit applied to my bank account this evening without my consent, to my knowledge I have no debts. I'll be calling my bank in the morning about this to figure out who this company is trying to set up direct debits without my consent.

11 March 2025
Unprompted review
Rated 1 out of 5 stars

I checked my bank account and found a…

I checked my bank account and found a direct debit had been set up on my account and I have not received any mail from them. I have cancelled the direct debit and sent an email to explain that I have an IVA in place. This has seriously affected my mental health.

12 March 2025
Unprompted review
Rated 1 out of 5 stars

This is now harassment and cruelty - why is this legal?

This is now harassment. I am worried, and it's torturing me at night. They keep sending messages to call them but do not accept replies via messages, they say they've sent letters, which isn't true. I am worried for my safety, and this is so stressful. I have emailed them directly several times with no response. They do not have a freephone number, so I would pay full price. I did speak to someone, but she just procrastinated, knowing I was paying.

19 December 2024
Unprompted review
Rated 1 out of 5 stars

Wescot chasing a debt to someone who has never lived at my address

I can relate to many of the previous reviews about Wescot, I received five letters in 2023 to my address chasing a debt owed to Aqua Credit Card by a person who had never lived at my address and was completely unknown to me, after contacting Wescot I received an apology and that they would amend their records. Nothing happened for about a year, then I received an automated call from Wescot, that the same person owed money to Barclays Bank. I did not reply to the phone message, but blocked the number. A couple of days later, I received a letter from Wescot, chasing the debt owed to Barclays Bank, I immediately phoned them and complained about what had happened the previous year and again in 2024.
They promised to amend their records so that it wouldn't happen again, I requested they email me with proof of their actions - no email received, and they refused to re-send it. I put in a written compaint to Wescot, and they replied saying "they had acted appropriately" I then decided to send all the evidence that I had gathered to the Financial Ombudsman, and I have just received an email rejecting my complaint - surprise, surprise !!! I have given Wescot a 1* review, would have preferred a minus 5* but its not possible

12 July 2024
Unprompted review
Rated 1 out of 5 stars

I had a text message followed by an email from Wescot SCAMMERS

I had a text message from these scammers claiming to be acting on behalf of Paypal, and they said that they had been given control of my Paypal account and they needed me to contact them. They also went on to say that they would email mail me more details in the next few days.
Well that email has arrived and there are, surprise suprise, less details and they don't mention Paypal in their email at all. So got to be some sort of scam.
And by not mentioning Paypal, it doesn't look like the phishing email that it actually is.
So I have reported the text to Paypal security and I have forwarded the actual email to phishing..paypal.uk because it is a scam, even moreso , given that there is nothing wrong on my Paypal account when I logged directly in.
So big bunch of SCAMMERS based in a PO BOX in Huddersfield.

13 December 2024
Unprompted review
Rated 1 out of 5 stars

Evil company

Evil company. Had thirty six changes of staff, five charges against the firm by various banks over the years. Demanding and starting to threaten still for a debt that isn't owed, doesn't exist and that they haven't been asked to act for the company they say I owe. Search on Linked In for my post about them. They ought to be named and shamed. Their active Directors have been named on Linked In...

8 November 2024
Unprompted review
Rated 1 out of 5 stars

Morally defunct practices.

I fear that the persons in charge of Wescot Credit Services have lent themselves to be the culmination of every failure of ethical, business and administrative practice. I do not say this lightly.

I have dealt with this company before, and my previous experience around 2020/2021 was pleasant. I have, however, received countless letters regarding a PayPal debt; the same PayPal account which was settled in 2021. Wescot no longer hold details of previously settled debts on their database which leaves a gaping hole that the consumer (and the poor customer service advisors) must apparently fill. Telephone advisors were not able to locate the previously settled debt, or give me any information as to when the "new" debt was assigned to Wescot. I am now left with no other option but to report the entire company for fraud and malpractice by way of gross negligence, and to feel sorry for the poor employees who have to bear the brunt of the consequences for the failures of the higher-ups. Do better Wescot.

30 August 2024
Unprompted review
Rated 1 out of 5 stars

I have a debt with Marbles credit card…

I have a debt with Marbles credit card which i pay every month without fail.
I get a letter from Westcott saying I was in arrears,
Marbles confirmed they had received the payment on time, my bank confirmed that it had indeed been paid.
So I contacted Westcott and inform them, all sorts of excuses are wheeled out. They are beyond pathetic, probably the worst company I have ever dealt with, not fit for purpose, companies like this should be shut down!

6 August 2024
Unprompted review
Rated 1 out of 5 stars

SHOCKING COMPANY, they should be SUED!!

I paid off a debt with T-Mobile to Wescot IN FULL with bank statements as proof over 10 YEARS AGO!!!! It is 2024 and this incompetent bully of a company SOLD the debt to TWO debt companies: Lowell and Overdales solicitors AFTER paying them. I have NEVER had a debt in my life apart from this years ago and was issued a CCJ! I am SO MAD! All 3 companies are trying to bully and scare me to pay £400+ for something I DO NOT OWE. I can’t believe this is happening in 2024, all the reviews are proof. Today an incompetent lady called GEMMA emailed me to say they are unable to locate my account… IS THIS FOR REAL?!? I have sent my bank statement, if I receive the same ridiculous email AGAIN, I will pay money to sue this company for all the damages, harassment and incompetence.

28 June 2024
Unprompted review
Rated 1 out of 5 stars

this is an awful organisation

this is an awful organisation, are they even legit? Well i’m not even 18 yet and they have been calling me for 2 years constantly saying i owe debt, I block them and they seem to always get a new number? They’re harassing me and claiming me to be someone i’m not, naming me a man under another name. LEAVE ME ALONE!!

12 May 2024
Unprompted review
Rated 5 out of 5 stars

By far, the most respectful debt company out there

By far, the most understanding and respectful debt company I have dealt with. I had a bounced payment sent to Wescot, both representatives I spoke to were friendly and helpful. Many other debt companies need to take a leaf out of Wescots book. Thank you for your help and understanding.

7 May 2024
Unprompted review
Rated 5 out of 5 stars

Top Drawer Service

Samuel at Wescot was very kind, very friendly and very professional.
He made all the right noises and pushed all the right buttons for me.
So happy to be with Wescot, they put my mind at rest!

8 April 2024
Unprompted review
Rated 1 out of 5 stars

dispicable company

Some time ago, this company acted for a client, threatening us with court action for 'non-payment' We made it abundantly clear that the payment had been sent and that we deserved an apology. We never ever heard anything. Yes, this is some while ago, but as I scanned old mail, I was reminded of their practices.
They may have improved since, but we never were acknowledged.

7 March 2024
Unprompted review

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