Creditor Contacts - Advice UK

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Creditor Contacts - Advice UK
Creditor
Contacts
Creditor Contacts - Advice UK
December 2018
Confidential edition for IMA members,
AdviceUK advisers and others in the free-to-client advice sector.

1              Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
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they are misused they will be withdrawn.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:
Adam.Burgess@citizensadvice.org.uk

Thank you.

2                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 1st 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 at least is password protected but ideally
       encrypted. A strong password should be used and the password should be
       communicated to the recipient via a different channel, for example via telephone.

3                   Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Contents

    ● Acenden                                                    ● M&S Bank
    ● AIC - Allied International Credit                          ● Marbles
    ● Amigo Loans                                                ● Marston Group Enforcement Agents
    ● Anglian Water                                              ● MBNA
    ● Aqua Credit Card
                                                                 ● The Money Shop
    ● Arrow Global
                                                                 ● Nationwide
    ● Arvato
                                                                 ● Natwest/RBS
    ● Bank of Scotland
                                                                 ● NCO Europe / RMA Resolve
    ● Barclays
                                                                 ● NewDay
    ● Barclaycard
                                                                 ● Northumbrian Water
    ● Black Horse
    ● Bradford and Bingley - see                                 ● NRAM (Northern Rock Asset

       ComputerShare                                                  Management) - see ComputerShare
                                                                 ● O2
    ● Brighthouse
                                                                 ● Opus
    ● Bristol Water
    ● Cabot                                                      ● Past Due Collection Services

    ● Cahoot                                                     ● Payday Express / Payday UK
    ● Capital One                                                ● Payday OK
    ● CapQuest                                                   ● Platform
    ● Cash Converters                                            ● Provident (and Greenwood)
    ● Cash Genie UK Ltd                                          ● QuickQuid and Pounds to Pocket
    ● Collectica Enforcement Services                            ● Rossendales
    ● ComputerShare                                              ● Royal Bank of Scotland - see NATWEST
    ● Co-operative Bank                                          ● Santander UK PLC
    ● Coventry Building Society
                                                                 ● Severn Trent Water
    ● Creation
                                                                 ● Shop Direct Finance Company Ltd -
    ● Credit Services Association
                                                                      retail brands Very (including Very
    ● Equita
                                                                      Exclusive) and Littlewoods
    ● Express Finance (Bromley) Ltd
    ● Experto Credite                                            ● South West Water

    ● Financial Ombudsman Service                                ● Student Loans Company

    ● Fredrickson International                                  ● Tesco Personal Finance
    ● Halifax Bank of Scotland - HBOS - (part                    ● Trusted Quid / Trusted Cash
                                                                 ● TSB

4                   Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
of the Lloyds Banking Group)                               ● United Utilities
    ● Hartlepool Water (part of Anglian                           ● UKAR - see ComputerShare
       Water)                                                     ● Vanquis
    ● HFC and Beneficial Finance                                  ● Virgin Money
    ● HSBC                                                        ● Vodafone
    ● Ikano Bank                                                  ● Welcome
    ● Intrum (formerly 1st Credit)                                ● Wescot
    ● J D Williams                                                ● Wessex Water
    ● Landmark Mortgages - see                                    ● WhistleTree - see ComputerShare
       ComputerShare                                              ● Woolwich
    ● Link Financial                                              ● Wonga
    ● Lloyds Banking Group                                        ● Yorkshire Bank Home Loans
    ● Lowell

Acenden
Servicing mortgages for brands including Capstone, Southern Pacific and Preferred Mortgages
Customer services Tel: 0333 300 0426                    Email: Customer.services@ascenden.com

Payment enquiries/collections and litigation: Tel: 0333 300 0468 Email:
payment.enquiries@acenden.com

Acenden Limited, St Johns Place, Easton St, High Wycombe, Buckinghamshire HP11 1NL

AIC - Allied International Credit
Tel number for advice agencies: Tel: 0141 228 3055
Adamson House, Towers Business Park, Didsbury, Manchester M20 2YY

NB: AIC’s Hardship Department deals with advice sector.

Specialist mental health contact Tel: 0141 228 3137 Fax: 0141 221 2541
Email: specialistteam@aiccorp.com

Amigo Loans
5                    Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
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: complaints@amigoloans.co.uk

Anglian Water
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
Tel: 0800 130 0169                    Email: queries@arrowglobal.net
Arrow Global, PO Box 5469, Manchester M61 0LW

Arvato
Email: General@arvatofs.com

Bank of Scotland
See Halifax Bank of Scotland
6                    Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
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)

Barclaycard
Tel : 0800 161 5220

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

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: customer.relations@brighthouse.co.uk

7                    Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
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
Tel: 0800 528 3838. Email: customer.services@bwbsl.co.uk
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: cabotcustomer@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 dmmod@capitalone.com
8                    Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
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
       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.

CapQuest
Tel: 0333 999 7239            Fax: 0333 999 7299                  Email: customers@capquest.co.uk
Capquest Group, Templer Avenue, Farnborough, Hampshire, GU14 6FE

9                     Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Cash Converters
Tel: 01928 737410                     Email: dmcsupport@cashconverters.net

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.

Cash Genie UK Ltd
General enquiries - Tel: 0845 956 9848 or 01473 297210 customersupport@cashgenie.co.uk
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

10                   Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
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: Lee.Usher@computershare.co.uk

Debt Advice Analyst: Stuart Laidler

Tel: 0191 522 3981 Mob: 07554 223206 Email: stuart.laidler@computershare.co.uk

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 jackie.cassidy@co-operativebank.co.uk

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
11                 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Financial Difficulties Department- Tel: 0845 456 5024                      Fax: 0121 712 5332

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
Tel: 0800 138 7777 (free calls)        Wales: 0800 138 0555                Typetalk: 18001 0300 500 5000
Overseas: +44 203 553 2279

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: info@freds.com
Fredrickson International Limited, PO Box 260, Weybridge, Surrey, KT13 0YH

Halifax Bank of Scotland - HBOS
(part of the Lloyds Banking Group)

12                   Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
● All Bank of Scotland accounts e.g: personal loans and preference accounts (excluding
        credit cards & current accounts) Tel: 0808 145 0665
        Collections & Recoveries, Retail Bank Collections, Charterhall House, Charterhall Drive,
        Chester CH88 3AN

     ● All Halifax accounts and Bank of Scotland credit cards & current accounts in
        Collections Tel: 0808 145 0665
        Halifax Bank of Scotland, Retail Bank Collections, PO BOX 718, Leeds, LS1 9GB

     ● All other accounts in recoveries Tel: 0808 145 0361
        Collections & Recoveries, Retail Recoveries, PO Box 66, ROSYTH KY11 2WG
        Secured lending Halifax including Bank of Scotland and TMB mortgage payments
        Tel: 0808 145 0437 - if the customer has not yet fallen behind with their mortgage
        payments

     ● Halifax including Bank of Scotland and TMB mortgage
         payments. Tel: 0808 145 0375 - if the customer has not yet fallen behind with their
        mortgage payments

     ● Home Owners' Support Fund (Scotland) and the Welsh Mortgage Rescue Scheme
        (SHG - Social housing grant option) Tel: 0808 145 0915 Fax: 0845 835 7850
        Email: bmgroupmortgagerescue@lloydsbanking.com

     ● Complaints on behalf of customers re: HBOS Collections or Recovery activity Customer
        Services Halifax Bank of Scotland, Customer Relations, PO Box 718, Leeds LS1 9GB

Escalation Contacts for Halifax Bank of Scotland
Halifax & Bank of Scotland escalation process:

     ● Call dedicated telephony teams in the first instance. They can deal with all general
        account queries.
     ● If you still require assistance, email the central mailbox. You should receive a response
        within 24 hours.
     ● If you wish to make a formal complaint, please contact Customer Relations teams directly.

Customer Priority Team
The Customer Priority Team (CPT) at HBOS offer extra help and support to people who have
long term health problems, critical illnesses, mental health issues or hearing impairments. They
also offer extra help to prisoners.

Advisers can access this team by sending all relevant information, such as medical evidence, to:
13                   Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Customer Priority Team, Charterhall House, Charterhall Drive, Chester CH88 3AN

Once an account has been transferred to this team advisers will be given a direct telephone
number for the CPT. Please note this team can only deal with unsecured HBOS accounts that are
in arrears but have not yet been defaulted. They cannot discuss full and final offers or write offs.

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)

enquiries@hartlepoolwater.co.uk

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
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

14                  Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
If matters cannot be resolved by this team please use this contact - (please note M&S Bank
is party of HSBC so these email addresses are correct). Emma Burke, Debt Recovery Manager,
HSBC Tel: 01244 686078 Mob: 07920 082562 Email: Emma.J.Burke@mandsbank.com

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

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: customercare.uk@intrum.com

Number for advisors – Complaints Team - Tel: 01737 235209

Compliance Team Leader: Rosa Mangiatordi - Tel: 01737 228571
Email: rosa.mangiatordi@intrum.com

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 bob.kingdon@intrum.com

J D Williams

15                 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Tel: 0345 071 9018
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
Adviser telephone enquiries for accounts in Lloyds Collections (Current Act's, Loans & Credit
Cards) Tel: 0808 145 0385

Correspondence re: current account, loan and credit cards if branch-based or in Collections –
general enquiries and submission of proposals: Lloyds Collections, PO Box 487, Brighton BN1
4GY

All accounts in Recovery including credit cards - submission of proposals and all other
correspondence - Tel: 0808 145 0363. Lloyds Recoveries, PO Box 487, Brighton BN1 4GY

Mortgages:

      Tel: 0808 145 0692 - if the customer has not yet fallen behind with their mortgage
      payments

      Tel: 0808 145 0399 - if the customer is already behind with their mortgage payments

Home Owners' Support Fund (Scotland only)

For Home Owners' Support Fund (HOSF) cases the contact details are Tel 0845 6094440 or email
- bmgroupmortgagerescue@lloydsbanking.com

16                   Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Mortgage Rescue Scheme (Wales only)

For Mortgage Rescue Scheme (MRS) cases the contact details are:
Tel: 0845 6094440 or email - bmgroupmortgagerescue@lloydsbanking.com

Complaints
     ● Complaints on behalf of customers re: Lloyds Collections or Recovery activity. Lloyds
        Banking Group. LLoyds Banking Group, Customer Services BX1 1LT
     ● Complaints on behalf of customers – non-collection/recovery related eg. 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 Car, Lloyds Insurance, Tredegar Park, Newport, South
        Wales NP10 8SB

Escalation contacts
Lloyds escalation process:

Call dedicated telephony teams in the first instance. They can deal with all general account
queries. You should email or call a named contact ONLY after attempting centralised telephony
options.If you wish to make a formal complaint, please contact Customer Relations teams
directly, do not use named contacts below.

All Lloyds Bank Accounts, Loans and Credit Cards where a letter of authority has already been
sent to us and where a letter of authority has already been sent in:

 Daytime team                                                 Evening team:
 Tel: 0808 145 0363                                           Collections Tel: 0808 145 0360
 Loans: 0800 096 128                                          Lucy Brewster 01273 636488
 Kate Leech 07787 530798                                      Dave Drake 01273 636488
 Anna Brocklehurst 07557 661435

Lowell
Public number: Tel: 0333 556 5733 Email: support@lowellgroup.co.uk (FOR CUSTOMERS Mon-
Fri 8.00-20.00 Sat 8.00-14.00)

17                   Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
3rd Parties: Tel: 0333 556 5983 Email: DMCpost@lowellgroup.co.uk (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

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
complaintsresolution@lowellgroup.co.uk

M&S Bank
Tel : 0345 300 6135 (Public number - Tel: 0345 900 0900)

Debt Management Team, Kings Meadow, Chester Business Park, CHESTER CH99 9FB

Contact for issues of concern
Emma Burke, Debt Recovery Manager, M&S Bank, Tel: 01244 686078
Mob: 07920 082562 Email: Emma.J.Burke@mandsbank.com

18                  Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
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

Mike.Marrs@marstonholdings.co.uk

MBNA
Dedicated Third Party Telephone Line - Tel: 01244 574667
Customer Assistance, PO Box 30, Chester Business Park, Chester CH4 9WW

Advisers’ Fax No. for general queries and urgent correspondence: 01244 574 667

Fax No. for Forms of Authority and Income and Expenditure submissions ONLY: 0208 639 8826

Contact for issues of concern: Lynda.Fletcher@bankofamerica.com

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: fd@dfguk.com

The Money Shop Head Office, Castlebridge Office Village, Kirtley Drive, Castle Marina,
Nottingham NG7 1LD

Nationwide
19                   Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
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: elliott.keen@nationwide.co.uk
Credit Cards escalation contact: James Tipler Tel: 01604 854646

Nationwide Recoveries
Tel: 0800 464 3121 Fax: 01604 853506 Email: recoveries@nationwide.co.uk
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: Specialist.Lending@nationwide.co.uk

Mortgage Tel: 0800 212 508 - Home Loans Tel : 0800 328 3021
Fax: 01202 562575 E-Mail: Specialist.Lending@nationwide.co.uk

Recoveries Litigation Team - Tel: 0800 028 3331 Fax: 0845 3020 102 E-Mail:
litigation.contacts@nationwide.co.uk

LPA Team including Mortgage Rescue Scheme (MRS) Cases
LPA & MRS Tel: 0800 028 3219
LPA & MRS Fax: 01202 562458
LPA E-Mail:specialist.lending-ct@nationwide.co.uk

Nationwide Building Society, Specialist Lending Control, Portman House
Richmond Hill, Bournemouth, Dorset BH2 6EP

ESCALATION POINTS

20                  Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
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 Gareth.McNab@nationwide.co.uk 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

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

21                  Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
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 (paul.scott@lombard.co.uk) 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

If you still need to escalate an issue after having used these contact details please contact Neil
Taylor Mobile: +44 (0) 7880 473005, Email: neil.taylor@rbs.co.uk

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: resolve_DMC@ncoeurope.com

If matters still need to be escalated contact: Nicola Booth, Email:
nicola.booth@ncoeurope.com Tel: 01772 843069

NewDay
(Formerly GE Money Cards and then Santander Cards)

Number for Advice Agencies (Financial Solutions Unit) Tel: 0871 522 5791
New Day Limited, PO Box 700, Leeds LS99 2BD

22                   Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Northumbrian Water
Customer Service Contact Centre: 0345 266 0585

Debt Team: 01502 249137

Northumbrian Water, Customer Centre, PO Box 300, Durham DH1 9WQ

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: PaymentMgmentMan@02.com

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.

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

23                 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Tel: 0141 951 6448
1 Blair Court, Clydebank, G81 2LA

Payday Express / Payday UK
Tel: 0800 652 4661
Tel: Debt Management Care Team Team Tel: 0800 980 5443 Fax: 0800 652 4662
DMCenquiries@dfonline.com
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: Joshua@safeloans.co.uk
     2) Vivek Mehta           Tel: 0208 253 4139 Email: vivek@safeloans.co.uk

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.

24                    Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Platform
Tel: 01752 236 550
Platform Collections Centre, PO Box 237, Plymouth, PL1 1WG

Provident (and Greenwood)
Customer Services Line Tel: 0800 096 6064               Fax: 01274 724310
Provident customer services, No 1 Godwin Street, Bradford, West Yorkshire BD1 2LS
Email: pccsupport@provident.co.uk

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 peter.cundy@provident.co.uk
     ●   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.
25                   Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
●   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).

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.

26                    Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
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: info@rossendales.com Email: WelfareDepartment@Rossendales.com

Complaints can be made in writing by email to complaints@rossendales.com 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 complaints@rossendales.com
or to: Rossendales Limited, PO Box 324, Rossendales, BB4 0GE
Telephone complaints can be made to the following number: 01706 833772

Royal Bank of Scotland
SEE NATWEST

Santander UK PLC
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

27                 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Santander Fixed Rate Loans
Unsecured Personal Loan s inc Cahoot,
Santander Flexi Loans &
                                                                0800 678 3322

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

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

28                  Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Severn Trent
Severn Trent Water, PO Box 407, Darlington, DL1 9WD

General Billing and Debt Management Team: 03456 022777

Specialist Care & Assistance Team: 02477 624971

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
Note: Shop Direct have outsourced their liaison with third parties that handle client
funds, such as free debt management plan providers. Shop Direct ask that this type of
third party agency deals directly with NCO Europe/RMA Resolve (details are listed above).
As Citizens Advice advisers do not handle client funds, the below details can be used:

Financial Support Team
Credit Support
Sandringham House
Sandringham Avenue
Chelmsford
CM92 1LE

Tel: 0800 092 9042

South West Water
Adviser Helpline Tel: 0800 083 0283

PO Box 4762, Worthing, BN11 9NT Email: customercontact@southwestwater.co.uk

29                   Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Student Loans Company
Tel: 0141 243 3686
Customer Care Team, 100 Bothwell Street, Glasgow G2 7JD Email: customer_care@slc.co.uk

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.
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, service@trustedquid.co.uk

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: DMcSupplierManagement@tsb.co.uk

United Utilities
             Adviser Helpline Tel: 0800 912 7238

30                   Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Outreach manager dealing with advisers: Carole.quinn@uuplc.co.uk 01925 429020
07767 298434

UKAR - UK Asset Recovery
See ComputerShare.

Vanquis Bank
Collections Department (customer and third party contacts) Tel: 0330 099 3003

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: centralise@cattles.co.uk

31                 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Welcome Financial Services Ltd, Recoveries Division, Ruddington Fields, Mereway, Nottingham,
NG11 6NZ

Wescot
Tel: 01482 484606              Fax: 01482 590591               Email: contactus@wescot.co.uk

Wescot Credit Services Limited, PO Box 137, Hull HU2 8HF

Wessex Water
Tel: 0800 528 3838 Email: customer.services@wessexwater.co.uk. 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: debtmanagement@wonga.com 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
32                  Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Wonga’s website: www.wonga.com
All complaint correspondence initially should be addressed to:

Complaints Officer, Wonga.com Limited, Sheffield, S9S 1AR

Yorkshire Bank Home Loans
Tel: 0844 693 3273 Fax: 0113 242 3788 Email: national@national-collections.co.uk
Group Home Loans, First Floor, Merrion Way, Leeds LS2 8NY

33                 Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
Free, confidential advice.
Whoever you are.

We help people overcome their problems and campaign on big issues when their voices need to
be heard. We value diversity, champion equality, and challenge discrimination and harassment.
We’re here for everyone.

citizensadvice.org.uk
Published December 2018
Citizens Advice is an operating name of The National Association of
Citizens Advice Bureaux.
Registered charity number 279057

34                Confidential - Creditor Contacts for IMA members, AdviceUK advisers and other free-to-client debt advisers.
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