Creditor Contacts January 2021 Confidential edition for IMA members, AdviceUK advisers and others in the free-to-client advice sector.
These contacts are to help advisers to communicate with creditors on behalf of their clients about debt issues. Creditors are usually pleased to work with advisers as they know that an adviser will have worked with their client to explore all the options, and will have taken into account the client’s full situation.
This creditors contact list contains direct telephone numbers, addresses and in some cases contact names for advisers to use when contacting creditors about their client’s debt problems. The contact details provided by creditors are not identical. For example, some creditors have specialist staff to deal with enquiries from third parties but others do not. You will need to find the creditor on the list and then see what services are provided. Not all creditors participate in the contact list and work is ongoing to develop this information.
Please note that the "escalation points" should be used with care – they are to help deal with situations that cannot be resolved through normal channels, and if they are misused they will be withdrawn.
This edition is for Citizens Advice partner agencies. There is an alternative edition for Citizens Advice advisers.
Creditors often change their details - if you spot any gaps, amendments, deletions, corrections or want to feedback please contact: [email protected]
Thank you.
1 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Email Communication for advisers To ensure compliance with GDPR and the recommendations of the Information Commissioner’s Office, when communicating with creditors by email please ensure that you comply with the best practice and the requirements of your own agency. Some creditors may also issue additional guidance which should be complied with.
The following guidance was produced by the Citizens Advice information assurance team and is for information - please ensure you comply with best practice and your own organisation’s policies.
Key Points Unencrypted email is not a secure method of communicating client data and should be avoided, therefore:
● No personal data (i.e. data which would identify an individual) should be put in the subject line. ● Only the minimum data necessary should be included in the email, no data should be included which would allow a third party to identify the client. For example use the account number to identify the client rather than including their name and address. If further information is needed, combine the account number with part of their name (i.e. the 1 s t three letters of the surname) or part of their postcode (i.e. BD3 4) rather than their full name or address. ● If you are sending attachments which contain personal or sensitive data (such as Forms of Authority) then ensure that the attachment is encrypted. A strong password should be used and the password should be communicated to the recipient via a different channel, for example via telephone.
2 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Contents
AA
Acenden
Advantis Credit
Ardent Credit Services
AIC - Allied International Credit
Amigo Loans
Anglian Water
Aqua Credit Card
Arrow Global
Arvato
Avant Credit
Bank of Ireland
Bank of Scotland
Barclays
Barclaycard
Birmingham Midshires
Black Horse
Brighthouse
Bristol Water
Bradford and Bingley
Cabot
Cahoot
Capital One
Capital Resolve
CapQuest
Cash Converters
Cash Genie UK Ltd
3 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Collectica Enforcement Services
ComputerShare (formerly UKAR)
Co-operative Bank
Coventry Building Society
Creation
Credit Services Association
Equita
Express Finance (Bromley) Ltd
Experto Credit
Financial Ombudsman Service
Fredrickson International
Halifax Bank of Scotland - HBOS
Hartlepool Water
HFC and Beneficial Finance
HSBC
Ikano Bank
Intelligent Finance
Intrum (formerly 1st Credit)
J D Williams
Landmark Mortgages
Link Financial
Lloyds Banking Group
Lowell
M&S Bank
Marbles
Marston Group Enforcement Agents
MBNA
The Mortgage Business (TMB)
The Money Shop
Nationwide
NatWest/RBS
4 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
NCO Europe / RMA Resolve
NewDay
Northumbrian Water
NRAM
O2
Opus
Past Due Collection Services
Payday Express / Payday UK
Payday OK
Platform
Provident (and Greenwood)
QuickQuid and Pounds to Pocket
Rossendales Enforcement Agents/Rossendales Collect Debt Collection
Royal Bank of Scotland
Santander UK PLC
Severn Trent
Shop Direct Finance Company Ltd - retail brands Very (including Very Exclusive) and Littlewoods
South West Water
Student Loans Company
Tesco Personal Finance
Trusted Quid / Trusted Cash
TSB
United Utilities
UKAR - UK Asset Recovery
Vanquis Bank
Virgin Money
Vodafone
Welcome Financial Services
Wescot
Wessex Water
WhistleTree
5 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Woolwich
Wonga
Yorkshire Bank Home Loans
AA
PO BOX 2138, Belfast, BT1 9RX
Mortgages: 0345 300 8000 Credit Cards: 0345 600 5606 Loans: 0345 266 0124
Acenden
Servicing mortgages for brands including Capstone, Southern Pacific and Preferred Mortgages Customer services Tel: 0333 300 0426 Email: [email protected]
Payment enquiries/collections and litigation: Tel: 0333 300 0468 Email: [email protected]
Acenden Limited, St Johns Place, Easton St, High Wycombe, Buckinghamshire HP11 1NL
Advantis Credit
Mintons Hollins Building, Shelton Old Road, Stoke-on-Trent, ST4 7RY
Tel: 01782 401 100
Email: [email protected]
Ardent Credit Services
Ardent Credit Services Ltd, 1st Floor Moorgate Point, Moorgate Road, Knowsley Ind Park, Merseyside, L33 7XW
Email: [email protected]
6 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
AIC - Allied International Credit
Tel number for advice agencies: Tel: 0141 228 3055 Adamson House, Towers Business Park, Didsbury, Manchester M20 2YY
Email: [email protected]
NB: AIC’s Hardship Department deals with advice sector.
Specialist mental health contact Tel: 0141 228 3137 Fax: 0141 221 2541 Email: [email protected]
Amigo Loans
Collections department Tel: 01202 629 161 Amigo Loans, Nova, 118-128 Commercial Road, Bournemouth, Dorset BH2 5LT
Escalation Contact: Nick Zainal. Tel: 01202 629 926. Alternatively, you can use this email about any case where there is concern: [email protected]
Anglian Water [email protected]
Extra Care Team Tel: 0800 085 7757
Operational contact number (for emergencies): 03457 145 145
Customers can also use webchat at www.anglianwater.co.uk
For Anglian Water customers in Hartlepool, surrounding villages and the Wynyard area, see Hartlepool Water contact details below.
Aqua Credit Card
Main enquiries Tel: 0330 220 2691 Aqua Customer Services, PO BOX 173, Sheffield, S98 1JW
Arrow Global
7 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Tel: 0800 130 0169 Email: [email protected] Arrow Global, PO Box 5469, Manchester M61 0LW
Arvato
Email: [email protected]
Avant Credit
Avant Credit, 11-12 Hanover Square, London, W1S 1JJ,
Tel: 0800 610 1516 Email: [email protected]
Bank of Ireland
Bank of Ireland (UK) plc, Bow Bells House, 1 Bread Street, London, EC4M 9BE
Customer Enquiries: 0345 850 1234
Credit Cards: 0345 309 8099
Bank of Scotland
See Halifax Bank of Scotland
Barclays
Unsecured - Tel: 0333 202 7404
Barclays Bank UK PLC, Barclays Financial Assistance, Leicester LE87 2BB
This is for all Barclays current accounts and loans.
Secured - Tel : 0800 022 4022
Barclays Bank UK PLC, Barclays Financial Assistance, PO Box 8575, Leicester, LE18 9AW
This is for all Barclays and Woolwich secured residential mortgages (including buy to let)
8 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Barclaycard
Tel: 0800 161 5220 email: [email protected]
Barclaycard, Barclays Financial Assistance, 1234 Pavilion Drive, Northampton, NN4 7SG
Payments in respect of Barclaycard customers should be sent to: Barclaycard Postal Payments, Dept PP, Bolton BL11 1XX
Birmingham Midshires
Secured Pre-Arrears - if the customer has not yet fallen behind with their mortgage payments
Tel: 0808 145 0692. Birmingham Midshires, Cawley House, Chester Business Park, Chester, CH4 9FB.
Secured collections - if the customer is already behind with their mortgage payments
Tel: 0808 145 0369. Birmingham Midshires, Cawley House, Chester Business Park, Chester, CH4 9FB.
Black Horse
ALSO SEE LLOYDS BANKING GROUP ENTRY
Tel: 0844 824 8822
Black Horse Finance – general enquiries and submission of proposals (This address or as as specified on customer correspondence): Black Horse Ltd, Collections & Recovery, St William House, Tresillian Terrace, Cardiff, CF10 5BH
Complaints on behalf of customers related to PPI: Customer Care, Lloyds Insurance, Tredegar Park, Newport, South Wales NP10 8SB
Brighthouse
Tel: 0800 526 069 Email: [email protected]
Bright House, 5 Hercules Way, Leavesden Park, Watford, WD25 7GS Note: Accounts in collection / post-default accounts may be passed to Sygma Red
Bristol Water
9 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Tel: 0800 528 3838. Email: [email protected] Social Policy Team, Bristol Wessex Billing Services, 1 Clevedon Walk, Nailsea, Bristol BS48 1WA www.bristolwater.co.uk Bradford and Bingley
See ComputerShare.
Cabot
Tel: 0800 917 2226 Email: debtmanagement@cabotfinancial.com Fax: 01732 521216
Cabot Financial Europe Limited, PO BOX 241, West Malling, Kent.ME19 4NA
For issues of concern contact: Ajay Mitha, Customer Support Team amitha@cabotfinancial.com
Cahoot
Tel: 0800 587 1111
Cahoot, 3rd Floor, Friars House, Hanover House, Coventry CV1 2TE Capital One
Tel: 0800 9524914 Fax: 0115 8433328 -For all enquiries from advisers including full and final settlement offers) Specialist Support Unit, Capital One (Europe) PLC, PO Box 5282, Nottingham, NG2 3YX
For urgent matters please contact: 0115 843 6753
For a point of escalation please contact [email protected]
Capital One’s best practice points for advisers:
Data Protection Act
● All inbound calls need 3 security checks to be passed before any account information can be disclosed – this is to fulfil our compliance obligations under the Data Protection Act. ● We will always ask you for customer’s date of birth plus 2 other unique pieces of information such as customer post code, telephone number etc.
Correspondence
● Please use the MAT/BBA Common Financial Statement (CFS) template in all cases as we will trust the guidelines have been followed if this template is used. Using the (CFS) will
10 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
mean we can decision more of your proposals without any undue delay and further correspondence.
Customer Education
● Please encourage all customers to make token payments to us until a proposal has been agreed with CAB – this will prevent their account being defaulted and potentially being sent to a Debt Collections Agency or sold. ● We could accept more customers onto reduced payment plans if they stop spending at the point of signing authority with CAB – any* spending after this date may result in their request for a reduced payment plan being declined. ● We accept that in some cases (Sky contract) payments can not be stopped immediately. This type of ongoing spend will be looked at sympathetically.
Write Off requests
● Write offs are considered as an exception, should any other debt remedy solution not be viable. All options should be considered prior to submitting a write off request (such as a Debt Relief Order for clients with low Disposable income/ debt level). ● All write off requests need to be submitted along with supporting medical evidence where applicable. This needs to be dated within the last 3 months. ● An up to date income and expenditure form is required for all write off requests, with clear explanations of any excessive items of expenditure.
Capital Resolve
Capital Resolve Ltd Fountain Court, Evesham, WR11 1LS Email: [email protected]
CapQuest
Tel: 0333 999 7239 Fax: 0333 999 7299 Email: [email protected] Capquest Group, Templer Avenue, Farnborough, Hampshire, GU14 6FE Cash Converters
Tel: 01928 737410 Email: [email protected]
Cash Converters UK Ltd, Innovation House, Aston Lane South, Preston Brook. Cheshire WA7 3FY Complaints: Tel: 01928 70 6739 or by post to the above address
Note: an account may be dealt with by the local store, but these are their national details.
11 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Cash Genie UK Ltd
General enquiries - Tel: 0845 956 9848 or 01473 297210 [email protected] Collections team - Tel: 0800 046 8121 or 01473 297210 Complaints - Tel: 01473 297210
Cash Genie, 2 Reavell Place, Ipswich, Suffolk IP2 0ET FCA statement on Cash Genie: august 2015: https://www.fca.org.uk/news/cash-genie-customers-refund-debt-write-down Collectica Enforcement Services
NB: Formerly Phillips Bailiffs, now part of the Marston Group. Tel: 0844 800 4588 Collectica, PO Box 997, Doncaster, DN1 9GD
ComputerShare (formerly UKAR)
NRAM (Northern Rock Asset Management) mortgage accounts
Tel: 0330 159 4665 NRAM Ltd, PO Box 624, DURHAM DH1 9JH
Bradford and Bingley customers General number - Tel: 0330 159 2590 Payment difficulty lines - Tel: 0330 159 1926 Bradford and Bingley, PO Box 629, DURHAM DH1 9JQ
Mortgage Express customers General number - Tel: 0330 159 2591 Payment difficulty lines - Tel: 0330 159 1926 Mortgage Express, PO Box 629, DURHAM DH1 9JQ
WhistleTree customers General number - Tel: 0330 159 6612 Payment difficulty lines - Tel: 0330 159 6601 Whistletree Ltd, PO Box 655, Durham, DH1 9LX
Landmark Mortgages customers General number - Tel: 0330 159 7152 Mortgage difficulty lines - Tel: 0330 159 7141 PO Box 656, DURHAM DH1 9LY
Any escalations can be forwarded to the Debt Advice Team: Debt Advice Manager: Lee Usher
Tel: 0191 522 3484 Mob: 07587 887 528 Email: [email protected]
Debt Advice Analyst: Stuart Laidler
Tel: 0191 522 3981 Mob: 07554 223206 Email: [email protected]
12 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Co-operative Bank
Financial Support department: 0344 844 8899
Open Mon-Fri 8.00am-8.00pm, Sat 9.00am-5.00pm.
Financial Support, The Co-operative Bank, 2nd Floor, 1 Balloon Street, Manchester, M60 4EP
Escalations can be sent to Jackie Cassidy at [email protected]
Coventry Building Society
General Enquiries: 0800 121 8899 Website: www.coventrybuildingsociety.co.uk
Financial Difficulties Team: 0800 121 8765
Address: Coventry Building Society, PO Box 9, High Street, Coventry, CV1 5QN
If you need help or advice on how to set up a power of attorney, call on 0800 587 4525
Specialist bereavement team, call on 0800 587 4565.
Godiva Mortgages Ltd and ITL Mortgages are also both part of the Coventry group of companies
Creation
Financial Difficulties Department- Tel: 0845 456 5024 Fax: 0121 712 5332 [email protected] Credit Services Association
Contact details for all CSA members and details of the CSA’s complaints procedure can be found at: www.csa-uk.com
Equita
42-44 Henry St, Northampton NN1 4BZ.
Tel: 0800 138 7777 (free calls) Wales: 0800 138 0555 Typetalk: 18001 0300 500 5000 Overseas: +44 203 553 2279
13 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Express Finance (Bromley) Ltd
Tel: 0115 908 1162 See Payday Express for postal address Experto Credit
Advisers Line: Tel: 08445 765 734. Public line: :0118 956 9127 24 Portman Rd, Reading, West Berkshire RG30 1EA
Financial Ombudsman Service
Tel: (phone line for advisers): 020 7964 1400 Email: technical.advice@financial-ombudsman.org.uk
Fredrickson International
Tel: 0845 313 6626 Email: [email protected] Fredrickson International Limited, PO Box 260, Weybridge, Surrey, KT13 0YH Halifax Bank of Scotland - HBOS
(part of the Lloyds Banking Group)
HBOS unsecured collections - each product is managed by dedicated telephony teams. General enquiries and submission of proposals.
● HBOS Credit cards - Tel: 0808 145 0388. PO Box 718, Leeds, LS1 1WU ● HBOS Bank accounts - Tel: 0808 145 0388. PO Box 718, Leeds, LS1 1WU ● HBOS unsecured loans - Tel: 0808 145 0388. PO Box 718, Leeds, LS1 1WU
Unsecured recoveries (where a default notice has been issued) - credit cards, bank accounts and loans
Tel: 0808 145 0363. Lloyds Recoveries, PO Box 487, Brighton, BN1 4GY.
HBOS secured pre-arrears
If the customer has not yet fallen behind with their mortgage payments.
Tel: 0808 145 0437. PO Box548, Leeds, LS1 1WU.
14 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Secured collections
If the customer is already behind with their mortgage payments.
Halifax - Tel: 0800 023 2679. PO Box548, Leeds, LS1 1WU.
Bank of Scotland (Unisys) - Tel: 0808 145 0387. BOS Unisys, Cawley House, Chester Business Park, Chester, CH4 9FB.
Complaints
Complaints on behalf of customers re Collections or Recovery activity - Lloyds Banking Group, Customer Services, BX1 1LT.
Complaints on behalf of customers – non-collection/recovery related e.g. perceived inappropriate lending - Lloyds Banking Group, Customer Services, PO BOX 112, Cannons House, Cannons Way, Bristol, BS99 7LB.
Complaints on behalf of customers related to general insurance products e.g. loan repayment protection - Customer Care, Lloyds Insurance, Tredegar Park, Newport, South Wales, NP10 8SB.
Hartlepool Water
Anglian Water’s team providing services to customers in Hartlepool, surrounding villages and the Wynyard area.
Customer Billing Team Tel: 01429 858 030 (8.30am-5pm Mon-Fri) [email protected]
Hartlepool Water, 3 Lancaster Road, Hartlepool TS24 8LW HFC and Beneficial Finance
NB: Part of HSBC
Customer Service - Tel: 0370 010 0453 P.O.Box 5055, Coventry CV3 9EF Complaints - Tel: 0345 602 3793 P.O.Box 5207, Coventry, CV3 9FB Collections - Tel: 0370 010 1138 P.O.Box 5204, Coventry CV3 9EY insolvency correspondence: Collections Centre, PO Box 5206, Coventry CV3 9FA
HSBC
15 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
General collections overdraft/loans Tel: 0345 609 0812 PO Box 6277, Coventry CV3 9JJ Public customer support line- Tel : 0345 740 4404 For Customers with mental health issues - Tel: 01226 261 079 / 0345 604 8335
Credit Cards Collections: Tel: 0345 607 7088. Public Credit Card line- Tel: 0345 600 7010 HSBC public phone numbers: http://www.hsbc.co.uk/1/2/popups/phonebook
Complaints/Issues of concern: HSBC, PO Box 6277, Coventry CV3 9JS
Financial hardship claims (with regards to charges) Customer Service Centre, Arlington Business Centre, Millshaw Park Lane, Leeds LS11 0PP
Ikano Bank
Tel: 0115 850 3000 - (advisers should choose the “customer “ option from the menu) Ikano Bank, Waterfront House, Station Street, Nottingham NG2 9LX
Intelligent Finance
Secured collections - all customer queries and proposals if the customer is already behind with their mortgage payments.
Tel: 0800 028 4347. Intelligent Finance, PO BOX 17316, Edinburgh, EH12 1AY
Intrum (formerly 1st Credit)
The Omnibus Building Lesbourne Road Reigate Surrey RH2 7JP
Main number - Tel: 01737 237 370 (Switchboard) www.intrum.co.uk
Number for advisers - Customer Care Team (Vulnerability/Health Issues) - Tel: 01737 235 210 Email: [email protected]
16 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Number for advisors – Complaints Team - Tel: 01737 235209
Compliance Team: [email protected] Compliance Team Leader: Rosa Mangiatordi - Tel: 01737 228571Email: [email protected]
If matters cannot be resolved via the debt support team or the compliance team, or you have general matters of concern, please contact Bob Kingdon at [email protected]
J D Williams
Tel: 0345 071 9018 email: [email protected] J D Williams, Griffin House, 40 Lever Street, Manchester M60 6ES
Brands include: Ambrose Wilson, Crafting Direct, Fifty Plus,Heather Valley, Home Essentials, Home Shopping Direct, Julipa, Oxendales, Premier Man, Shoe Tailor, Simply Be, Special Collection, That's My Style.
Landmark Mortgages
See ComputerShare.
Link Financial
Public number Tel: 0800 064 4499 Third party team Tel: 02920 808 690 LINK Financial Outsourcing Ltd, PO BOX 30095, London SE1 7WU The email address for all correspondence is: mail@linkfinancial.co.uk. Lloyds Banking Group
Unsecured collections - each product is managed by dedicated telephony teams. General enquiries and submission of proposals.
Credit cards - Tel: 0808 145 0391. PO Box 718, Leeds, LS1 1WU
Bank accounts / loans - Tel: 0808 145 0368. PO Box 718, Leeds, LS1 1WU
Unsecured recoveries (where a default notice has been issued) - credit cards, bank accounts and loans
Tel: 0808 145 0363. Lloyds Recoveries, PO Box 487, Brighton, BN1 4GY.
Secured pre-arrears
If the customer has not yet fallen behind with their mortgage payments.
17 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Tel: 0808 145 0692. PO Box548, Leeds, LS1 1WU.
Secured collections
If the customer is already behind with their mortgage payments.
Tel: 0808 145 0399. PO Box548, Leeds, LS1 1WU.
Complaints
● Complaints on behalf of customers re Collections or Recovery activity. Lloyds Banking Group, Customer Services, BX1 1LT. ● Complaints on behalf of customers – non-collection/recovery related e.g. perceived inappropriate lending. Lloyds Banking Group, Customer Services, PO BOX 112, Cannons House, Cannons Way, Bristol, BS99 7LB, ● Complaints on behalf of customers related to general insurance products eg: loan repayment protection. Customer Care, Lloyds Insurance, Tredegar Park, Newport, South Wales, NP10 8SB.
Lowell
Public number: Tel: 0333 556 5733 Email: [email protected] (FOR CUSTOMERS Mon-Fri 8.00-20.00 Sat 8.00-14.00)
3r d Parties: Tel: 0333 556 5983 Email: [email protected] ( FOR DEBT ADVISORS/DEBT MANAGEMENT COMPANIES Mon-Fri 9-17.15)
Lowell Financial, PO Box 1411, Northampton, NN2 1BQ
Please note: Lowell must receive authority from our customer before they are able to deal with a third party organisation. This can be verbal for an initial call but must be sent in writing for any email/postal enquiries.
Customer website
Lowell has a dedicated customer website www.lowell.co.uk which allows customers to make payments, complete a budget calculator and log in to check/update information on their account/s. There is also a useful FAQ section.
Repayment plans
Lowell’s policy is that repayment plans should be suitable and affordable. Lowell will accept realistic repayment offers that are supported by an appropriate income and expenditure statement.
Complaints resolution
Lowell is committed to resolving complaints in a fair and consistent manner. A copy of its complaints policy is available at www.lowell.co.uk
18 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
If a customer is unhappy with their Lowell experience and wants to register a complaint they should contact the Customer Relations Team on 0800 542 0058 Mon-Fri 8.00-18.00 or email [email protected]
M&S Bank
Tel : 0345 300 6135 (Public number - Tel: 0345 900 0900 )
Debt Management Team, Kings Meadow, Chester Business Park, CHESTER CH99 9FB Marbles
Tel: 0333 220 2692 Marbles Customer Services, PO BOX 136, Sheffield, S98 1HB
Marston Group Enforcement Agents
Tel: 0333 320 1822 Marston Group Limited,PO Box 12019, Epping CM16 9EB Escalation contacts (for advisers only): Mike Marrs. Mobile: 07739 774 487
MBNA
All accounts in Recovery - submission of proposals and all other correspondence
Tel: 0800 633 5591. MBNA Customer Assistance, PO Box 1004, Chester Business Park, Chester, CH4 9WW.
The Mortgage Business (TMB)
Secured Pre-Arrears - if the customer has not yet fallen behind with their mortgage payments
Tel: 0808 145 0437. PO Box548, Leeds, LS1 1WU.
Secured Collections - if the customer is already behind with their mortgage payments
19 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Tel: 0800 028 0486. PO Box548, Leeds, LS1 1WU.
The Money Shop
Primary number for advisers - The Financial Assistance Specialist team (FAST) - Tel: 0800 0542100 Fax Number: 01159 478379 (the best one to use when sending documents through) General email: [email protected]
The Money Shop Head Office, Castlebridge Office Village, Kirtley Drive, Castle Marina, Nottingham NG7 1LD
Nationwide
Personal Loans, Flex Accounts and Mortgages in arrears. Tel 0800 464 3040 Nationwide, Lending Control, Kings Park Road, Moulton Park, Northampton NN3 6NW
Credit Cards Tel: 0800 464 30 50 Customer Assistance Department, PO Box 8738, Wigston LE18 9BG
If the credit card account is between 90 and 210 days in arrears call: Nationwide Recoveries - Tel: 0800 464 3124 . If the account is more than 210 days in arrears call: Nationwide Recoveries (Northampton) - tel: 0800 464 3121.
Contact points for complex credit card cases: [email protected] Credit Cards escalation contact: James Tipler Tel: 01604 854646
Nationwide Recoveries Tel: 0800 464 3121 Fax: 01604 853506 Email: [email protected] PO Box 518, Northampton, NN3 6UQ
Unsecured Litigation Team, Lending Control, Nationwide Building Society, Kings Park Road, Northampton, NN3 6NW Fax: 01793 656921 Tel: 0845 600 7072
If loans, current accounts or credit cards are subject to legal action you should contact the relevant solicitor dealing with the account. If a solicitor has not been appointed the account will remain with their internal litigation team:
NATIONWIDE SPECIALIST LENDING - THE MORTGAGE WORKS (TMW) & UCB MORTGAGES
Tel: 0800 077 8229 or 0800 328 3021 - Pre-Litigation Team Collections Fax: 01202 562575 E-Mail: [email protected]
Mortgage Tel: 0800 212 508 - Home Loans Tel : 0800 328 3021 Fax: 01202 562575 E-Mail: [email protected]
20 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Recoveries Litigation Team - Tel: 0800 028 3331 Fax: 0845 3020 102 E-Mail: [email protected]
LPA Team including Mortgage Rescue Scheme (MRS) Cases LPA & MRS Tel: 0800 028 3219 LPA & MRS Fax: 01202 562458 LPA E-Mail:[email protected]
Nationwide Building Society, Specialist Lending Control, Portman House Richmond Hill, Bournemouth, Dorset BH2 6EP
ESCALATION POINTS
In the first instance, if the originator is not happy with the output of a discussion with an Advisor, they should ask to be referred to the Team Manager. If the Team Manager cannot help a referral can be made to the department. If you have exhausted all other channels and feel you still need to discuss a case, or you would like to raise a policy or general customer experience issue with Nationwide please contact: Gareth McNab, Money Advice Liaison Money Advice Liaison Manager. Email [email protected] Tel: 01604 854 536 Fax: 01604 853 897 Mobile: 07525 104 52
NatWest/RBS
Customers in financial difficulty - Tel: 0345 301 5441
Loans & Current Accounts - Collections NatWest Bank Tel: 0345 3015442 . RBS Tel: 0345 3015425 Birmingham Collections, 4th Floor, 7-10 Brindley Place, Birmingham B1 2TZ
The collections department deals with customers who have received a contact or a letter from the collections teams, if the customer is one payment down for loan(s), £250 over the limit on overdrafts, 60 or more day dormancy for standard current accounts & 90 day dormancy for student accounts.
Loans & Current Accounts - Recoveries
NatWest Bank- Tel: 0345 3015137 RBS: Tel: 0345 3015139 PO Box 16403, 7 Brindley Place, Birmingham, B2 2BU
Use when a customer has received contact or a letter from Credit Management Services. If the customer is 2 payments or more down on their Loan or is in £500 excess limit on their overdraft.
Credit Cards Services (financial difficulty - public number)- Tel: 0370 3339091 Credit Card Services (general public number) Tel: 0370 907 0010
21 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Credit Cards Collections: Cards Collections & Recoveries PO Box 5747, Southend on Sea, Essex SS1 9AJ
Credit Cards - Recoveries Use when a customer has received contact or a letter from our Credit Management Services.
RBS & NatWest Bank - Tel: 0800 585774 Cards Collections & Recoveries PO Box 5747, Southend on Sea, Essex SS1 9AJ
Mortgages - Collections Direct Line, One Account, First Active - If the customer is 2 payments or less down on their Mortgage
NWB - Tel: 0345 303 019 RBS - Tel: 0345 300 9635 Secured Collections, 7-10 Brindley Place, Birmingham, B1 2TZ
Mortgage - Recoveries - If the customer is 3 payments or more down on their Mortgage
NatWest Bank- Tel: 0345 303 0191 RBS- Tel: 0345 300 9635 PO Box 16331, 7 Brindley Place, Birmingham, B2 2YA
Lombard Business Finance and Personal Loans Lombard number: 0345 246 4203
Escalations: Paul Scott ( [email protected] ) Tel: 01709 847842 Lombard, North Central, Cyan House, Adwick Park, PO Box 520, Wath Upon Dearne, Rotherham,S63 5AD
Mint Credit Cards – Collections and Recoveries- Handle any queries relating to Credit Card recoveries for Mint. Tel: 0800 585 3774 PO Box 5747, Southend-on-Sea, Essex SS1 9JA
NCO Europe / RMA Resolve
Tel: 0330 060 1150
NCO Europe Ltd, New City House, 57-63 Ringway, Preston, England PR1 1AF
For issues of concern contact: [email protected]
If matters still need to be escalated contact: Nicola Booth, Email: [email protected] Tel: 01772 843069
NewDay
(Formerly GE Money Cards and then Santander Cards)
22 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Number for Advice Agencies (Financial Solutions Unit) Tel: 0871 522 5791 New Day Limited, PO Box 700, Leeds LS99 2BD Northumbrian Water
Customer Service Contact Centre: 0345 266 0585
Debt Team: 01502 249137
Northumbrian Water, Customer Centre, PO Box 300, Durham DH1 9WQ
Email: [email protected] NRAM
See ComputerShare.
O2
Debt Management Team - Tel: 0800 902 0217 O2 Debt Management Team, PO Box 202 LU6 9AG
Small and Medium Business Collections - Tel: 0844 375 0203 O2 Small and Medium Business Collections Sweet XY, Arlington Business Centre, Milshaw Park Lane, Leeds LS11 0NE
Escalation point: [email protected]
O2 ask that the Payment Management Managers email contact should only be used when it is really necessary to do so, and should not be used regularly or for all queries. Other email addresses that can be used are: [email protected] / [email protected] Opus
Tel: 020 7871 0464 Opus Card Services, PO Box 136, Sheffield, S98 1HB
Opus accounts are now owned by New Day. They are no longer open to new customers. The Opus cards were previously known as Citi Cards and were previously owned by Citibank Financial. Past Due Collection Services
Tel: 0141 951 6448 email: [email protected] 1 Blair Court, Clydebank, G81 2LA
23 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Payday Express / Payday UK
Tel: 0800 652 4661 Tel: Debt Management Care Team Team Tel: 0800 980 5443 Fax: 0800 652 4662 [email protected] Payday Express, PO Box 255, Bicester, Oxfordshire, OX26 4ZY Payday OK
Tel: 020 8680 0990 Fax: 020 8680 0666 Unit 6B ZK Park, 23 Commerce Way, Croydon, Surrey CR20 4ZS
Note: This company has taken over the loans issued by for Cash Store Limited (no longer trading) and operating as a debt purchase under the name SLL Capital.
Collections specialists who deal with client’s in Hardship and Financial Distress.
1) Joshua Hopkins Tel: 0208 253 4136 Email: [email protected] 2) Vivek Mehta Tel: 0208 253 4139 Email: [email protected]
Safeloans have a client login self-help area where a customer can complete an online income and expenditure form in line with the Common Financial Statement, - they are licensed by the Money Advice Trust. Safeloans have provided this brief summary for convenience – it is not an exhaustive guide to all their procedures dealing with clients in Financial Distress:
Safeloans offer fixed sum payment plans starting from as low as £5 per week or £20 per month and and incorporate £1 token payments while debtor information is being assembled by Debt advice groups held for an initial 30 days which is extended by a further 30 days upon receiving confirmation of a debt advice organisations involvement. They accept all payments tendered to a client’s account and confirm that all interest and charges are frozen at the initial point of contact from client or Debt Advice Organisation. They always try to direct a client to first seek the advice of a FREE debt advice organisation such as CAB, Step Change, Payplan, National Debt Relief etc. so that all of the clients disposable income goes towards paying off their creditors debts rather than paying fees to a commercial debt management company which ultimately means less money is available to repay the debts and the repayment period to discharge the debt will be longer. If a client requires Free independent financial advice we direct them to the Money Advice Service. Platform
Tel: 01752 236 550 Platform Collections Centre, PO Box 237, Plymouth, PL1 1WG
Provident (and Greenwood)
24 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Customer Services Line Tel: 0800 096 6064 Fax: 01274 724310 Provident customer services, No 1 Godwin Street, Bradford, West Yorkshire BD1 2LS Email: [email protected]
To ensure that the Customer Services Team provides you with details of all your clients’ accounts, please send separate holding and offer letters where:
● your client has debts both to Greenwood and Provident ● your clients are a couple and both have separate debts to Provident/Greenwood.
Useful information
Once letter received by them they will contact local office to say about the agency involvement and transfer the account to be managed from head office. Agents will no longer call nor will letters be automatically generated.
For issues of concern
Ms Julie Turner, Customer Service Manager, Provident Financial Management Services Ltd, No 1 Godwin Street, Bradford, West Yorkshire, BD1 2SU
Complaints - Public number Tel: 0800 096 6064
To make a complaint or alter Provident/Greenwoods to a potential social policy issue, advisers should write to: Customer Relations, No 1 Godwin Street, Bradford BD1 2SU Or if it is more urgent contact:
● Peter Cundy Tel 01274 351407 Fax 01274 734749 [email protected] ● Customer Contact Support Team Tel 01274 351554 ● NB: The office is staffed from Monday to Friday from 0900 to 1700.
Please note when making a complaint Provident ask:
● Any adviser contacting us will need to provide a customer’s full name, address and postcode.
● An adviser will also need to provide his or her own contact details and those of the organisation the organisation he or she works for. As complaints may be provided by phone, email or fax it will aid our response to know to whom, where and by what method a response can be provided. (Ideally we would also like to have a customer number – this can be found on the front of a customer’s payment book – however we should be able to trace the vast majority of customer accounts from name and address details.)
● All complaints received will be systematically recorded on our existing complaints database.
● Responses will be provided within our current timeframe for complaints.
● We will maintain a separate recording category for all free money advice complaints. This category will be monitored on a regular basis (as are all categories of complaint).
25 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
QuickQuid and Pounds to Pocket
Customer Support Line - Tel: 0800 056 1515 (available 24/7) Adviser/Debt Management hotline- Tel : 0800 016 3314 (available M-F 8:00-20:00 & Sat 10:00-16:30)
Quick Quid have asked us to distribute the hotline number for use in cases that either have not been properly addressed through normal communication channels and/or require urgent action.
Example situations where hotline use may be appropriate include:
● If adviser believes we have not acted correctly or timely in establishing a suitable workout ● If collections activity persists after it is known a customer is working with an adviser and immediate action is required ● When a Continuous Payment Authority needs to be revoked immediately and normal cancellation processes have failed ● If a dispute has not been resolved to the adviser’s satisfaction through normal channels
Quick Quid and Pounds to Pocket encourage using standard channels of communication whenever possible. Their resolution specialists will staff the hotline Monday-Friday 8:00-20:00 and Saturday 10:00-16:30. If for whatever reason your personnel are not able to get through or need to contact us outside of operating hours, please leave a voicemail and our managers will have someone ring back straightaway.
Rossendales Enforcement Agents/Rossendales Collect Debt Collection
Enquiry and Payment Line- enforcement agents - Tel: 0844 701 3980 Fax Line: 0844 701 3982 Rossendales Collect (i.e. debt collection NOT enforcement agent) Tel: 01706 833772 PO Box 324, Rossendale, BB4 0GE Email: [email protected] Email: [email protected]
Complaints can be made in writing by email to [email protected] or to Complaints Department, Rossendales, PO Box 324, Rossendale, BB4 0GE
Rossendales Enforcement Agents complaint process can be found here: http://www.rossendales.com/index.php/making-an-enquiry
Rossendales Collect Complaints (ie the debt collection arm or Rossendales as distinct from the enforcement agent/bailiff arm) can be made in writing by email to [email protected] or to: Rossendales Limited, PO Box 324, Rossendales, BB4 0GE Telephone complaints can be made to the following number: 01706 833772
26 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Royal Bank of Scotland
SEE NATWEST
Santander UK PLC
Santander UK, AAM230, 201 Grafton Gate East, Milton Keynes MK9 1AN
Unsecured collections
Unless indicated, opening hours are Mon-Fri 8.30am-7pm, Sat 9am-1.30pm
Bank Accounts inc. Instant Plus Accounts, 0800 587 1122 Basic Bank Accounts, Choice, Premier 21, Flexi Plan, 11-15, 16-18 Accounts, New to work, Further Education Accounts, Student Banking
Unsecured Personal Loan s inc Cahoot, 0800 678 3322 Santander Flexi Loans & Santander Fixed Rate Loans
Cahoot MTA 0800 587 2211
Credit Cards Mon-Friday 8:00 am to 7:00pm, Sat 9:00 am-1:00 pm (where possible customers should refer to their letter to ensure their call is routed correctly)
Santander Credit Cards 0800 389 6655
Cahoot (Mon-Thu 8am to 9pm & Fri 8am-7pm) 0800 389 7897
Business & Professional Banking Mon-Fri 9.00am-5pm
Business Bank Accounts 0800 085 0771
Business Credit Cards 0800 169 3371
Business Loans 0800 404 6185
27 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Secured Collections
Unless indicated, opening hours are Mon-Fri 8.30 am to 7:00 pm, Sat 9:00 am-1:30 pm
Santander Mortgages 0800 085 1226
Santander Mortgages (Alliance & Leicester a/cs) 0800 731 7553
MacDB Mortgages (ex National & Provincial)
(Mon-Fri 9.30am-5pm) 0800 085 0817
Secured Personal Loans (Mon-Fri 8.30am-5pm) 0800 085 0869
Complaints : Tel: 0800 171 2171.
Complaints, Santander UK PLC, PO Box 1125, Bradford BD1 9PG
Severn Trent
Severn Trent Water, PO Box 407, Darlington, DL1 9WD
General Billing and Debt Management Team: 03456 022777
Specialist Care & Assistance Team: 02477 716 971
This team predominantly deal with all accounts for vulnerable customers. They also deal with promotion of the Affordability Assistance Scheme & Priority Service Register so initial enquiries should be made to the general billing team.
Shop Direct Finance Company Ltd - retail brands Very (including Very Exclusive) and Littlewoods
Financial Support Team Credit Support Sandringham House Sandringham Avenue Chelmsford CM92 1LE
Tel: 0800 092 9042 email: [email protected]
28 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
South West Water
Adviser Helpline Tel: 0800 083 0283
PO Box 4762, Worthing, BN11 9NT Email: [email protected]
Student Loans Company
Tel: 0141 243 3686 Customer Care Team, 100 Bothwell Street, Glasgow G2 7JD Email: [email protected] Tesco Personal Finance
Public numbers: Current Accounts Tel: 0345 835 3353 Loans Tel: 0345 600 6016 Credit Cards: 0345 300 4278
Tesco Bank, PO Box 27028, Glasgow, G2 9FT. [email protected] Collections (loans), PO Box 27016, Broadway One, 199 Renfield Street, Glasgow G2 9FX
Mortgages- Tel: 0345 217 2050 Tesco Bank Mortgage Operations, PO Box 1214, Cheltenham, GL50 9WL
Trusted Quid / Trusted Cash
Tel: 0191 450 0015 Fax: 020 7023 4917 Stadium House Business Centre, Alderston Road, Livingstone EH54 7DN
Operations Manager: John Fettes, [email protected] TSB
Collections - for Account Specific Queries (Advisor use only, this number should not be given to the customer) - Tel: 0345 600 8973
TSB Collections, PO Box 2230, Barnwood, Barnett Way, Gloucester, GL3 9ED
Bank (Loans & Overdrafts) - for Customer use Tel: 0345 600 8973 Credit Card - for Customer use Tel: 0345 600 8972 Issues relating to TSB Bank policy and procedures: [email protected]
United Utilities
29 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Adviser Helpline Tel: 0800 912 7238
Outreach manager dealing with advisers: [email protected] 01925 429020 07767 298434
UKAR - UK Asset Recovery
See ComputerShare.
Vanquis Bank
Collections Department (customer and third party contacts) Tel: 0330 099 3003 [email protected]
Virgin Money
Payments and Financial Difficulty Tel: 0345 609 9837
Jubilee House, Gosforth, Newcastle-Upon-Tyne NE3 4PL
If matters cannot be resolved through the usual channels advisers can escalate them to:
Nick Watson Tel: 0191 279 8691 Mob: 07587 881160 Email: Nick.Watson@ virginmoney.com
Vodafone
Vodafone Customer Services, Vodafone House, The Connection, Newbury, Berkshire RG14 2FN
Tel: 191 from a Vodafone mobile, or Tel: 03333 040 191 from other lines.
Small Business Customers (fewer than 5 lines) 191 from the phone or 033 3304 191 or +44 7836 191 191 (from abroad)
Welcome Financial Services
Recoveries division - Tel: 0333 999 8917 Fax: 0845 5432561 email: [email protected]
Welcome Financial Services Ltd, Recoveries Division, Ruddington Fields, Mereway, Nottingham, NG11 6NZ
30 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Wescot
Tel: 01482 484606 Fax: 01482 590591 Email: [email protected]
Wescot Credit Services Limited, PO Box 137, Hull HU2 8HF
Wessex Water
Tel: 0800 528 3838 Email: [email protected]. Social Policy Team, Bristol Wessex Billing Services, 1 Clevedon Walk, Nailsea, Bristol BS48 1WA www.wessexwater.co.uk
WhistleTree
See ComputerShare.
Woolwich
Secured - Tel : 0800 022 4022
Barclays Bank UK PLC, Barclays Financial Assistance, PO Box 8575, Leicester, LE18 9AW
This is for all Barclays and Woolwich secured residential mortgages (including buy to let)
Wonga
Telephone number: 0800 107 8140 Email: [email protected] Fax: 0207 990 9494
Wonga.com Limited, Hardship Department, Sheffield S95 1AR
Key contact: Max Cochran, Hardship Development Manager Tel: 0207 2848 046
Preferred payment methods in order of preference: Debit Card, Standing Order, Over–the–counter Bank payment, Cheque, Postal Order
Wonga’s website: www.wonga.com All complaint correspondence initially should be addressed to:
Complaints Officer, Wonga.com Limited, Sheffield, S9S 1AR
31 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Yorkshire Bank Home Loans
Tel: 0844 693 3273 Fax: 0113 242 3788 Email: [email protected] Group Home Loans, First Floor, Merrion Way, Leeds LS2 8NY
32 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
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33 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.