Finding UK Debt Collectors: The FCA Public Register

The authoritative source for verified debt collection agencies in the UK is the Financial Conduct Authority (FCA) Public Register. The FCA regulates all firms conducting debt collection activities in the UK.

How to Search

1. Go to register.fca.org.uk.
2. In the search bar, enter "debt collection" or a specific firm name.
3. Filter by "Debt Collection" under "Permissions" or "Activities."
4. Results show: Firm name, FCA reference number (FRN), status (Authorised/Registered), address, website, and permitted activities.
5. Click a firm for full details: contact info, trading names, disciplinary history.

Why Use the FCA Register?

• Legitimacy: Only FCA-authorised firms can legally collect debts in the UK.
• Consumer protection: Authorised firms must follow FCA rules (fair treatment, no harassment, clear communication).
• Complaints: If a firm misbehaves, you can complain to the FCA or Financial Ombudsman Service.

Caution

The FCA register covers UK-based firms and those servicing UK debts. For collectors based abroad pursuing UK debts, they must still be FCA-registered. If you're dealing with a foreign debt, check that country's regulator.