Also known as: 1st Credit; 1st Credit Finance; 1st Credit (Finance) Ltd (historical); Intrum
Intrum UK Limited is the debt collection entity within the Intrum group in the UK. Intrum UK Limited handles the collection activity on debts, while Intrum UK Finance Limited holds the purchased debt portfolios. Together they form the main UK presence of Intrum, one of Europe's largest credit management companies.
If you receive letters from Intrum UK Limited, it means they are managing the collection of a debt either owned by Intrum UK Finance or on behalf of another creditor. The communication should identify which original lender the debt relates to.
Intrum is regulated by the Financial Conduct Authority and must treat customers fairly, communicate clearly, and provide accurate debt information. You have the right to ask for full written details of any debt.
If you dispute a debt or believe it is incorrect, raise this in writing. If the debt may be statute barred, Citizens Advice or National Debtline can advise on this.
If you owe the debt and cannot pay in full, an affordable payment plan is usually possible. Free debt advice from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice is available at no cost. If the debt Intrum UK is managing turns out to be old, it is worth checking whether it is statute barred under the Limitation Act 1980 before making any payment. Making a payment or acknowledging a debt in writing can restart the limitation clock, so it is important to get free advice first. If Intrum contacts you and the communication feels unclear or you are not sure what the debt relates to, ask for a full written statement before doing anything else. National Debtline's online debt advice tool is available at any time and can help you understand your position clearly.
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 Intrum UK Limited’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Debt purchasing; debt collection; credit management services; purchases consumer debt portfolios from banks, credit card companies, telecoms, utilities, and retailers
Trading names and group notes
Intrum UK Finance Limited (CH 04140507) is a separate related entity. The parent Intrum AB is the largest credit management services company in Europe, operating in 24 countries. Previously known as 1st Credit Limited before 2018 name change.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
No review data available.
Other review sources
Formerly 1st Credit Limited (operating since 1999); renamed Intrum UK Limited March 2018; parent Intrum AB is Europe's largest credit management company; debt advice sites reference Intrum/1st Credit as major UK debt purchaser
Overall public sentiment
Not verified — limited public review data found specifically for Intrum UK / 1st Credit brand on UK review platforms. Debt advice websites describe standard debt purchasing and recovery operations.
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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