Also known as: Zinc Group; The Zinc Group; Zinc
Zinc Group Ltd is a UK debt collection and credit management company. It provides collection services to businesses in sectors including utilities, telecoms, financial services, and local government. Zinc acts as an agent collecting debts on behalf of other companies rather than purchasing debts itself.
If you receive letters or calls from Zinc Group, a company you have an unpaid balance with has asked Zinc to contact you. The communication should identify who the original creditor is.
Zinc is regulated by the Financial Conduct Authority and must follow FCA rules on fair treatment of customers. They must communicate clearly and accurately, and must not use threatening or misleading tactics.
You have the right to ask for written confirmation of the debt details. If you dispute the debt, raise this in writing. If you owe the debt but cannot pay in full, contact Zinc to discuss an affordable arrangement. Free debt advice is available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice. If you believe you are being treated unfairly by Zinc Group or any debt collector, you have the right to complain. Start with the company itself, then escalate to the Financial Ombudsman Service if the complaint is not resolved. Keeping a record of all communications with a debt collector is good practice. If you are unsure whether a debt is genuine, whether it is the correct amount, or whether it is too old to be enforced, Citizens Advice or National Debtline can give you free guidance. You are never obliged to pay a debt collector before checking that the debt is legitimate and that you are being pursued within the rules.
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 Zinc Group Ltd’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Third-party debt collection on behalf of financial institutions, utilities, telecoms, public sector, and insurers; does not purchase debt
Trading names and group notes
FRN 707187 — some sources indicate this may be registered to Complete Credit Consultancy Limited as the parent authorised entity with Zinc Group Ltd operating under it. Further verification against live FCA register recommended.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
4.5
Approx. 217 reviews
Other review sources
Credit Services Association member (CSA #692); positive Trustpilot reviews cite named staff members and understanding approach; no debt purchasing — collections only on behalf of clients
Overall public sentiment
Positive — 4.5 stars on Trustpilot from approximately 217 reviews, which is exceptional for a debt collection agency. Customers praise individual staff members by name, noting professional and supportive approach. Some negative reviews regarding unwanted contact and disputed debt validity.
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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