PostRight helps consumers respond to debt collection letters with legally-accurate, FCA-aware correspondence sent by Royal Mail. Each linked page covers a specific debt collection agency.
Lowell is one of the largest debt buyers in the UK. They buy old, unpaid debts from banks, credit card companies, mobile networks, utilities, catalogue lenders, and Buy Now Pay Later providers at a fraction of the original balance, then try to collect the full amount from you. They've operated out of Leeds since 2002 and are regulated by the FCA.
Cabot is one of the longest-established debt buyers in the UK, founded in 1998 as one of the first entrants into the British debt purchase market. They buy old, unpaid debts from banks, credit card providers, telecoms companies, utilities, catalogue lenders, and Buy Now Pay Later providers, then collect from the consumer directly. Cabot is headquartered in Kings Hill, Kent, and is part of Encore Capital Group, a Nasdaq-listed specialty finance company based in the United States.
Moorcroft is one of the UK's largest debt collection agencies, based in Stockport and trading since 1985. They handle over 1.5 million live accounts at any one time with around 500 staff, including a nationwide field force. Unlike most of the big debt collectors, Moorcroft doesn't usually buy your debt outright. They collect on behalf of the original creditor, which means the bank, energy supplier, telecoms company, or HMRC still legally owns the money you owe.
Intrum is the UK arm of Intrum AB, one of Europe's largest credit management and debt collection groups, with operations across 24 countries and over 10,000 staff. Intrum UK Limited is based in Reigate, Surrey. They primarily buy debts outright from original creditors (banks, credit card providers, telecoms, utilities, retailers) and pursue collection in their own right. If you have had a letter from Intrum, it might still reference 1st Credit somewhere, because Intrum acquired and renamed 1st Credit Limited in March 2018. The Companies House entity is the same one, just under a new name.
PRA Group is the UK arm of PRA Group, Inc., a US debt purchaser listed on Nasdaq under the ticker PRAA. The UK company is based in London and has been buying consumer debts in the British market since 1999. They buy old, unpaid debts from banks, credit card providers, telecoms companies, utilities, and retailers, then collect from the consumer directly. PRA tends to focus on older debt portfolios bought at very low prices (sometimes as little as 2 to 5 pence per pound for very aged debt), which is worth knowing because some of those debts may already be statute-barred.
Hoist Finance and Robinson Way are two related brands that have just been through a significant ownership change. Hoist Finance UK Limited was historically a Swedish-owned debt buyer that purchased non-performing credit card and personal loan portfolios from UK banks. Robinson Way is its UK collection brand, a 40-year-old debt collection company based in Salford that was named DCA of the Year at the 2014 Debt Collection Awards and is a founder member of the Credit Services Association.
Shire Recoveries Limited is a commercial debt collection agency based in Tamworth, Staffordshire. Founded in 2006, they specialise in business and SME debt recovery rather than consumer debt collection. They work as a contracted collection agent for various clients. In 2025 and 2026, the dominant pattern is collection on behalf of Azzurro Associates, a UK debt buyer specialising in SME and B2B receivables. If you have received a letter from Shire Recoveries, the underlying debt is most likely a business loan, merchant cash advance, business credit card, or personal guarantee on a commercial credit facility. This is fundamentally different from a consumer debt letter from Lowell, Cabot, or another consumer-focused agency.
Azzurro Associates Limited is a UK debt buyer specialising in SME lending and B2B receivables. Founded in 2017 and based in Fareham, Hampshire (with a Manchester Spinningfields analytics office), Azzurro is unusual in the UK debt purchase market: most major debt buyers (Lowell, Cabot, Intrum, PRA Group, Hoist) focus on consumer credit, while Azzurro specifically targets SME loans, merchant cash advances, business credit cards, and other alternative business lender portfolios. Azzurro has purchased around £1 billion of SME lending stock and has invested over £200 million across the SME and B2B sectors. The Azzurro Group is majority-owned by Elliott Management, the US investment firm known for distressed debt and credit investments.
Drydens Limited (trading as Drydens Solicitors and drydensfairfax solicitors) is a regulated law firm specialising in debt recovery, based in Leeds at 10th Floor, West One, 114 Wellington Street. It is part of the Arrow Global Group and acts as their in-house law firm for legal escalation on Arrow Global debt portfolios. Drydens is authorised and regulated by both the Solicitors Regulation Authority (number 511996) and the Financial Conduct Authority (FRN 677021), operating as an SRA-licensed Alternative Business Structure (ABS). This dual regulation is normal for solicitor firms that specialise in consumer credit and debt recovery work.
BW Legal Services Limited (trading as BW Legal) is an independent UK debt recovery solicitor firm based in Leeds. They are regulated by both the Solicitors Regulation Authority (SRA number 569773) and the Financial Conduct Authority (FRN 619068) and operate as a Licensed Body / Alternative Business Structure. Unlike Drydens (Arrow Global Group's in-house solicitor), Mortimer Clarke (Cabot's in-house solicitor), or Overdales (Lowell's in-house solicitor), BW Legal is INDEPENDENT and is not part of any debt buyer group. They are 100% owned by WAB Investments Ltd and act for whichever clients instruct them.
Wescot Credit Services Limited is one of the UK's longest-established and largest debt collection agencies. Founded in Scotland in 1983, Wescot operates from four UK sites (Hull, Glasgow, Saltcoats, and Telford) with hundreds of staff handling debt collection work for major banks, utility companies, telecoms providers, and home retail credit providers. Wescot is a Scottish-registered company (Companies House SC084131) with its registered office in Saltcoats, Ayrshire. They are authorised and regulated by the Financial Conduct Authority (FRN 688858) and are one of the founding members of the Credit Services Association (CSA membership number 101).
Link Financial Outsourcing Limited is the UK arm of one of Europe's largest specialist credit servicing and debt purchase groups. Founded around 2000 and incorporated in its current form in 2009, Link Financial is part of LC Financial Holdings Ltd alongside sister companies LCM Partners (investment management) and BCMGlobal (loan servicing). The group manages over €65 billion across 6,000+ portfolios in 9 European countries. Link Financial's London office at 11 Belgrave Road is the strategic and regulatory hub, and a purpose-built operational centre in Caerphilly, Wales (opened December 2015) handles primary servicing, account administration, and telephone recovery. Link Financial is FCA-authorised (FRN 606817) and is a CSA member (number 321, since February 2001).
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