Also known as: Wescot; Wescot Credit Services
Wescot Credit Services Limited is a UK debt collection agency that collects debts on behalf of creditors and debt purchasers. It does not typically buy debt itself but acts as an agent for other companies. Wescot is part of the Arrow Global group.
If you receive correspondence from Wescot, it means a company has instructed them to contact you about an outstanding debt. The letter should explain who the original lender is and which company currently owns or is managing the debt. You have the right to ask for this information in writing if it is not clear.
Wescot is regulated by the Financial Conduct Authority and must follow FCA rules on how it treats customers. This includes communicating clearly, not using misleading or aggressive tactics, and directing you to free debt advice services.
You have the right to ask for written confirmation of the debt, the original account details, and a copy of the original credit agreement. If you dispute the debt or believe you do not owe it, put this in writing. Wescot must pass any genuine dispute back to the company they represent.
If the debt is old, it may be statute barred under the Limitation Act 1980, meaning it can no longer be enforced in court. Citizens Advice can help you check whether this applies.
If you owe the debt and cannot pay the full amount, you can propose an affordable payment arrangement. Free debt advice is available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice. These services are completely free and can help you deal with Wescot effectively.
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 Wescot Credit Services Limited’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Debt collection; Debt recovery; Consumer credit management
Trading names and group notes
Registered in Scotland (SC prefix). No confirmed group parent as of June 2026.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
2.2
Approx. 132 reviews
Other review sources
Low Trustpilot rating. Complaints about contact on settled debts and excessive contact attempts.
Overall public sentiment
Mostly negative. Persistent complaints about contact regarding previously settled debts and poor database management.
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
Lowell Financial Ltd / Lowell Portfolio I Ltd
Lowell; Lowell Financial; Lowell Portfolio I
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Cabot Financial (UK) Limited
Cabot Financial; Cabot Credit Management
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PRA Group (UK) Limited
PRA Group
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Arrow Global Limited
Arrow Global; Norfina (Ireland/EU operations name — not confirmed as separate UK FCA entity)
View details →
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