Also known as: Credit Style
Credit Style Limited is a UK debt collection company that collects debts on behalf of creditors and debt purchasers. It acts as a collection agent rather than purchasing debts in its own right, meaning the debt is typically owned by the original lender or a debt purchaser who has engaged Credit Style to manage contact with customers.
If you receive letters or calls from Credit Style, a company you owe money to has asked them to contact you. The communication should make clear who the original creditor is. If it is not clear, ask for this information in writing.
Credit Style is regulated by the Financial Conduct Authority and must treat customers fairly, communicate clearly, and signpost customers to free debt advice. You have the right to receive accurate information about any debt being collected and to dispute a debt if you believe it is incorrect.
If you owe the debt and cannot pay in full, it is generally possible to agree an affordable payment plan. Contact Credit Style to discuss your situation, or seek free debt advice first to understand your options.
Free debt advice is available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice. These services are free and can help you deal with any debt collection situation.
Quick summary
Always verify this information directly with the company, the FCA Register and Companies House before relying on it.
Free regulated debt advice — start here
If you are struggling with debt, arrears, or feel under pressure to pay, contact a free regulated debt advice service before taking any action. These services are confidential and free to use.
These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from Credit Style Limited’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Third-party debt collection; credit management; debt recovery services for energy companies and other sectors
Trading names and group notes
Parent: Credit Style Holdings Limited (CH 08798507). Also regulated by SRA under number 639830 (as an Alternative Business Structure for legal activity — note this may relate to a separate entity within the group).Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
Not verified (page exists but overall score not confirmed in sources)
Approx. 547 reviews
Other review sources
Multiple FCA FOI documents list Credit Style Limited as FCA-authorised debt collector FRN 306797; significant consumer complaints about chasing debts for defunct energy companies; allegations of FCA 'Treating Customers Fairly' rule breaches in consumer forum discussions
Overall public sentiment
Negative — consumer forums and reviews report being pursued for disputed or non-existent debts, especially relating to defunct energy companies. Complaints about communication difficulties, persistent contact, and agents of varying quality. Limited positive reviews.
Review sources
Get free qualified debt advice first
Before making any payment decision or agreeing to a plan, speak to a free regulated debt adviser who can review your full situation.
Organise your budget before making any decisions
Before making any payment decisions about a debt, get free qualified debt advice from StepChange, National Debtline or Citizens Advice. Ask Fin can also help you understand your monthly income and outgoings more clearly — but is not a substitute for regulated debt advice. General guidance only.
Explore Ask Fin — £4.99/monthGeneral guidance tools only. Not regulated advice.
Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.
Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
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