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Lender DetailsEquita Limited
Debt Collector

Equita Limited

Also known as: Equita; ColX Group (parent brand)

Equita Limited is a UK enforcement agency — commonly referred to as a bailiff company. It is authorised to carry out enforcement action on behalf of creditors who have obtained court judgments, primarily local councils for council tax debt and parking fines, as well as HMRC and other government bodies.

Enforcement agents (bailiffs) have legal powers that ordinary debt collectors do not. If Equita contacts you, it means a creditor has obtained a court judgment and is using legal enforcement to recover what is owed. However, enforcement agents must follow strict rules about what they can and cannot do.

Enforcement agents can visit your home, but they cannot force entry on a first visit. On a subsequent visit, if you have previously let them in and a controlled goods agreement exists, they may be able to re-enter. They can take certain assets but cannot take essential household items, tools of your trade up to a certain value, or goods belonging to other people.

If Equita contacts you, act quickly. You may be able to challenge the debt, set up a payment plan before agents visit, or seek help to delay enforcement. Free advice is urgently available from Citizens Advice on 0800 144 8848, StepChange on 0800 138 1111, or National Debtline on 0808 808 4000. Time is important — seeking advice before a visit gives you more options.

Quick summary

Company typeDebt Collector
Trading namesEquita; ColX Group (parent brand)
FCA Firm Ref (FRN)Not verified — FCA register search did not return a confirmed FRN for Equita Limited via web search; the firm is reported as FCA-authorised for consumer credit but specific FRN not confirmed
FCA statusReported as FCA-authorised for consumer credit activities; also member of CIVEA (Civil Enforcement Association)
Companies House no.03168371
Company statusActive
Parent companyColX Group (formed 2024, merging Equita, Jacobs Enforcement, Ross & Roberts, and Stirling Park)
Date last checked2026-06-05

Always verify this information directly with the company, the FCA Register and Companies House before relying on it.

General guidance only. Information on this page is for general reference. Ask Fin does not provide regulated financial, debt, legal or tax advice. Fields marked “Not verified” have not been independently confirmed.

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.

Why someone might search for Equita Limited

Received a letter, call or text
Asking for proof of debt
Who is the original creditor
Setting up a payment plan
Disputed debt
Statute-barred debt question
County court claim received
Doorstep visit concern
Getting free debt help

Before you contact Equita Limited

  • 1Check the company name and any trading names carefully.
  • 2Verify the company on the FCA Register at register.fca.org.uk before sharing personal or financial details.
  • 3Check the Companies House record if relevant.
  • 4Do not share payment card or bank details unless you are certain you are dealing with the real company.
  • 5Keep copies of all letters, emails, screenshots and payment records.
  • 6If you are unsure or under financial pressure, get free debt advice before taking action.
  • 7Ask the company to confirm the original creditor and the amount owed in writing.
  • 8Ask whether they own the debt or are collecting on behalf of someone else.
  • 9Do not make any payment if you dispute the debt without first taking free advice.

Questions worth asking

These are general questions that may be relevant to your situation. They are not personalised advice.

  • ?Who was the original creditor?
  • ?Do you own the debt or are you collecting on behalf of someone else?
  • ?Can you send a full statement of account in writing?
  • ?Can you send proof of the assignment or purchase of this debt?
  • ?Can you send a copy of the original credit agreement where applicable?
  • ?Is collection activity on hold while I seek advice?
  • ?What is your formal complaints process?

Contact details

Phone01604 628360
Registered address6 Europa Boulevard, Birkenhead, Wirral, CH41 4PE
Customer contact address42-44 Henry Street, Northampton, NN1 4BZ

Always use contact details from Equita Limited’s official website ↗ or the FCA Register — not from unexpected letters or messages.

Regulatory and company information

FCA Firm Reference NumberNot verified — FCA register search did not return a confirmed FRN for Equita Limited via web search; the firm is reported as FCA-authorised for consumer credit but specific FRN not confirmed
FCA statusReported as FCA-authorised for consumer credit activities; also member of CIVEA (Civil Enforcement Association)
Companies House number03168371
Company statusActive
Parent companyColX Group (formed 2024, merging Equita, Jacobs Enforcement, Ross & Roberts, and Stirling Park)

Useful official links

What they do

Main products and services

Certificated enforcement (bailiff) services; Debt collection for local authorities; Commercial debt enforcement; Taking control of goods; Warrant execution

Trading names and group notes

Part of ColX Group since 2024. Previously part of Capita Group. Sister brands: Jacobs Enforcement, Ross & Roberts, Stirling Park.

Reviews and public sentiment

Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.

Trustpilot

Very low — approximately 1.1–1.2 out of 5 (94% of reviews are 1-star)

Approximately 196 reviews reviews

Other review sources

Reviews.io listing exists: 13 reviews under 'Equita Enforcement Agent'

Overall public sentiment

Overwhelmingly negative public sentiment. Common complaints include aggressive early-morning contact, threatening to seize vehicles without prior notice, clamping wrong vehicles, poor handling of vulnerable customers, and inaccessible complaints processes.

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/month

Related Ask Fin tools

General guidance tools only. Not regulated advice.

Common questions about Equita Limited

Why has Equita Limited contacted me?+
Equita Limited may have contacted you about a debt that is owed to them or to a company they represent. Always check the company is FCA-registered at register.fca.org.uk before taking any action. If you are struggling with payments or under financial pressure, free regulated debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice (0800 144 8848).
Does Equita Limited own the debt or collect it on behalf of someone else?+
Some companies own debts outright (debt purchasers) while others collect on behalf of the original creditor (debt collectors). You are entitled to ask Equita Limited to confirm this in writing, along with the name of the original creditor.
Can I ask Equita Limited for proof of the debt?+
You may ask Equita Limited to provide a written statement of account showing the amount owed, the original creditor, and any charges or interest added. It is generally advisable to seek free debt advice before making any payment on a debt you do not recognise.
Should I ignore letters or calls from Equita Limited?+
It is generally not advisable to ignore contact from a debt collection company. Ignoring the contact does not make the debt go away and may result in further action being taken. However, do seek free advice before responding or making any payment.
Can Equita Limited take me to court?+
If a debt is owed and unpaid, a creditor or debt purchaser may apply to court for a County Court Judgement (CCJ) in England, Wales or Northern Ireland. Getting free regulated debt advice early gives you more options. If you are struggling with payments or under financial pressure, free regulated debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice (0800 144 8848).
Can Equita Limited visit my home?+
Debt collectors can visit your home but cannot enter without your permission and do not have the legal powers of a bailiff. If you are concerned about a doorstep visit, contact Citizens Advice or National Debtline for guidance before the visit.
Where can I get free debt help?+
If you are struggling with payments or under financial pressure, free regulated debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice (0800 144 8848).

Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.

Related guides and resources

Sources and date checks

Other Debt Collector companies

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