Wescot Credit Services Ltd Reviews 

208
TrustScore 4.5 out of 5

4.3

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Review summary

Created with AI, based on recent reviews

Considering 76 reviews, reviewers had a great experience with this company. Customers frequently praise the support team for being exceptionally polite, patient, and deeply understanding during difficult financial situations. People note that telephone advisors provide clear information, answer questions quickly, and make phone interactions comforting and remarkably easy. However, some customers also noted facing difficulties with payment arrangements, unexpected account holds, and feeling pressured during calls regarding debts. A few reviewers experienced communication challenges, low phone volumes, or issues getting their ongoing balances updated properly. These individuals felt the process became stressful when trying to resolve specific queries or settle accounts.

What people talk about most

Staff

Customers consistently note positive experiences with staff, describing them as patient, polite,... See more

Customer service

Reviewers highlight positive aspects of customer service, describing the staff as helpful, understanding, and... See more

Payment

Customers consistently report frustration and dissatisfaction regarding payment processes and account... See more

Customer communications

Reviewers share mixed feedback regarding contact experiences, while some consumers found their contact... See more

Reviews shaping this summary

Rated 4 out of 5 stars

I am going through a very rough patch and speaking with staff, has helped me immensely. They were far more empathetic to my situation than I was expecting and, because of this I felt less anxious as w... See more

Company replied

Rated 4 out of 5 stars

I spoke to one of the assistants at Wescot and found her very helpful and the information she gave me very useful so all in all a very good experience.

Company replied

Rated 5 out of 5 stars

We called to review our finances and, despite a bad connection, we finally agreed that astronomic household bills had negated our pension increases. It was accepted that we were in no position to incr... See more

Company replied

Rated 5 out of 5 stars

Having worked in Lloyds Bank and helped people to sort out their finances, I never thought I would be in the same position, through no fault of my own. In short when I had to leave the Bank at 60 as I... See more

Company replied


Company details

  1. Debt collection agency

Written by the company

Wescot Credit Services is a leading Debt Collection Agency in the UK. Wescot work on behalf of a variety of financial institutions. Wescot understands that everyone’s situation is different and we will work with you as an individual to find the best solution for you. Wescot is authorised and regulated by the Financial Conduct Authority. We are also members of the Credit Services Association.


Contact info

4.3

Excellent

TrustScore 4.5 out of 5

208 reviews

5-star
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1-star

No recent history of asking for reviews

This company hasn't invited customers recently, so reviews may not be representative

Replied to 61% of negative reviews

Typically replies within 24 hours

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4.3

All reviews

(208)

91 reviews in the last 12 months

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Rated 5 out of 5 stars

Excellent Service

I spoke with Lewis yesterday and he was so helpful. Great customer service. I have exactly what I need in terms of managing my finances going forward. Wescot could do what StepChange couldn’t! Brilliant experience. Thank you.

11 November 2021
Unprompted review
Rated 5 out of 5 stars

Callum is great!

I've just spoken to a gentleman called Callum from customer services, I have to say he's a great asset to this business. I really struggled making the phone call, my anxiety has very tight limitations. I was half expecting to be traumatised by the end. I can honestly say the call went nothing like I expected. I was listened to and all my health issues were taken seriously and handled with such empathy.
If anyone else out there is really struggling to pick up your phone to make the call, I hope this will put you at ease that they aren't monsters trying to make you feel worse.

18 October 2021
Unprompted review
Rated 1 out of 5 stars

BEING HARASSED WHEN I HAVE NO DEBT

Am in agreement with all the 1 star reviews.
I HAVE NO DEBT to be collected and yet I am harassed with texts and phonecalls (I don’t pick up, so I have voicemails from
a robot asking me to call them back).
The texts keep referring to a letter I’ve been sent but THERE HAS BEEN NO LETTER.!
I then started to worry that someone has cloned or hacked an account and taken a loan out in my name but I have checked my credit records and there is nothing saying I’ve defaulted on any payments on anything.

I feel reassured by the other reviews on here that I am not alone with this experience and will continue to ignore them.
I’d advise anyone wishing to use their service for debt collection to avoid them like the plague.

20 September 2021
Unprompted review
Rated 1 out of 5 stars

Completely shocking been told by PayPal…

Completely shocking been told by PayPal that they have sold on my debt when they have no record of it!! Spent 5hours on Wednesday and the previous Friday dealing with them!! As they are a bunch of crooks I would contact step change to deal with them!!

16 September 2021
Unprompted review
Rated 5 out of 5 stars

Polite, Professional People

I have to say,my own experience has been very positive. Got myself into bother defaultung on a credit card debt. Was fretting constantly. As soon as Westcott got involved, the stress fell away, I was honest and upfront with them, blaming nobody but myself. They were professional and polite from the off and continue to be so. If I ran a business and was owed, I'd choose Westcott to assist me. Just my 2 cents worth...

14 September 2021
Unprompted review
Rated 1 out of 5 stars

All these debt companies buy your debt…

All these debt companies buy your debt purely for profit they pay 10% for the debt but charge you 100% and send threatening letters with frightening words that say they are coming for your TV.
They should be helping poorer and with health problems and not hounding them.
Why can't they just ask you to pay what they paid 10%, if they can buy your debt why can't we by our own debt for 10%.
Answer the letters sooner please and accept those offers

23 June 2021
Unprompted review
Rated 5 out of 5 stars

This was from the email I just wrote to…

This was from the email I just wrote to Wescot.....
Dear Wescot,

I just wanted to say how very thankful and grateful I am for how this debt was dealt with by your excellent team and now that it is finally cleared and the account closed I will never ever have a credit card again in my life. Simply because I cannot be trusted with a credit card!!

So thank you very much for your superior service and for helping me to finally clear this debt off my list of debts.

29 May 2021
Unprompted review
Rated 2 out of 5 stars

I'm being generous with a 2..

I'm being generous with a 2..

Received a threatening letter about debt recovery action. Called them up to find out what was going on and it turns out they were chasing the wrong person. Brilliant.

Said it "shouldn't" show up on my credit report.

Fools.

Gave them the generous 2 as they sorted it out quickly.

28 May 2021
Unprompted review
Rated 1 out of 5 stars

sinking lower than pond life

wescot credit services should be closed down for fraud, i was doing a investigation on my account and i found out that wescot was pretending to work on behalf of halifax bank where in fact they should have been acting on behalf of cabot financial. looks like these debt purchasing companies wants you to believe that your debt has not been sold to them and wants you to believe the account still belongs to the original creditor, this is the only way they can get you to hand over your hard earned cash and get you to pay. you would honestly think the money was going to the original creditor and not the debt purchaser. i had loads of threatening and red letters from them. i hope the owners of wescot go to jail and rot till they die.

9 May 2021
Unprompted review
Rated 1 out of 5 stars

Worst way of collecting money ever

Worst way of collecting money ever. Started getting recorded messages to my Voicemail everyday for a week from Wescot. Just comes across as a scam then today received a letter for full payment or else!!
This debt has arisen because someone hacked my PayPal account to buy computer games, luckily I stopped the payment going out of my bank account and canceled my direct debit to PayPal. Next a refund from PayPal turns up in my bank account!!!
I have no problem with returning this money (its not mine!) but straight away PayPal have I assume sold this to Wescot who are now bombarding me with phone calls and prosecution letters.
I will try to sort this out with PayPal as Wescot just come across as a scam and if you check on the internet they are not held in high esteem.

8 April 2021
Unprompted review
Rated 5 out of 5 stars

Really helpful team

Really helpful team, always nice on the phone and never had an issue.

Thank you Chelsea for helping me out, hope management see this!

1 April 2021
Unprompted review
Rated 1 out of 5 stars

Definitely a scam

Definitely a scam. Two letters were delivered to my property, addressed to a person who I have never heard of and definitely hasn't lived here for at least 20 years - because only I have! The letters claim this person has an unsettled PayPal debt. In case of fraud, I just checked my own PayPal and eBay accounts and there is nothing wrong, and I have had no messages from either company. I will now look for appropriate bodies to report Wescot to - the police / Action Fraud, or the ombudsman, etc.

5 March 2021
Unprompted review
Rated 1 out of 5 stars

Another company chasing statued barred…

Another company chasing statued barred debts. Any debts after 6 years is classed as statued barred so don't pay anything. As long as you haven't made any payments within the 6 year period they can't do anything and make u pay. End of seek legal advise. This company is shocking and should be shut down as there unlawful.

6 February 2021
Unprompted review
Rated 1 out of 5 stars

Big company bullies…

We were contacted by this company claiming that we owed money for an energy bill that had been run up in August 2020 on a property we hadn't lived in since 2010. In fact there had been two other residents at the property after we sold it. This was explained to them and they duly made enquiries (that took weeks to complete) and the person actually responsible for the debt was identified.

I have two problems with the way the situation was dealt with. The first is that they obviously had not done their homework and were making false accusations. The second problem is that they did not have the decency to apologise even when they knew they had made a mistake. The operative from Wescot actually said that as they had *identified" the person who owed the money WE were "no longer liable" for the debt. Not for one second was it acknowledged that we were NEVER liable for this debt EVER.

Eon, the energy company involved, should never have passed false information to this company either. It is a disgraceful way to run a business.

14 January 2021
Unprompted review

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