Also known as: JCIA; Jefferson Capital International; JC International Acquisition
JC International Acquisition LLC is a debt purchasing entity that buys and manages portfolios of consumer debt in the UK. It operates through a UK structure and acquires debt from financial services companies and other creditors.
Debt purchasers like JC International buy unpaid debt portfolios from the original creditors at a discount and then attempt to recover what is owed. If you receive correspondence from JC International or from a company acting on their behalf, it means a debt you previously had with another lender has been sold to them.
If contacted, you have the right to ask for written confirmation of the debt including the original creditor, the original account number, and a breakdown of the amount claimed. You can also ask for a copy of the original credit agreement.
If you dispute the debt, raise this in writing. If the debt is old, check whether it may be statute barred under the Limitation Act 1980. Citizens Advice and National Debtline can help you understand your position.
JC International must follow FCA rules on how it treats consumers. If you believe you are being treated unfairly, you can complain to the FCA. Free debt advice is available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice at no cost.
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 JC International Acquisition LLC’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Debt purchasing; debt management and recovery; purchases consumer debt portfolios from telecoms, store finance, banks, credit card companies
Trading names and group notes
Creditlink Account Recovery Solutions Ltd (CARS) (CH 04296927) is the UK-registered service company delivering collections on behalf of JCIA. The parent US group is linked to Jefferson Capital Systems LLC. No separate UK-registered debt-purchasing company (Ltd) has been identified for JCIA itself.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
Credit Services Association member; FCA authorisation granted September 2016; known for purchasing telecoms, store card, and credit card debt portfolios
Overall public sentiment
Not verified — limited public review data found. Debt advice websites note JCIA as an active UK debt purchaser pursuing collection of purchased accounts.
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
Spot an error on this page?
If you notice a wrong phone number, outdated FCA status, changed name or broken link, you can report it. We aim to verify and update the record as soon as possible.
Report an issue with this page →