Frequently Asked Questions

What is a payment plan?

A payment plan is an agreement to repay your debt by instalments that are affordable to you. We can help you by setting up an agreement that’s affordable to you. You can pay monthly or weekly, and you can choose which payment method you prefer.

If I am unable to pay what should I do?

What will happen if I do not pay?

If you do not respond to our correspondence, then we will try to contact you by phone if we have your number. If you do not contact us to set up a payment plan or tell us about your circumstances if you are unable to pay, then your account could be at risk of defaulting. If your account has already defaulted, your credit file will show that you’re not trying to clear your debt, which could impact your credit score. This can result in Legal Action against you.

How will it help if I contact you?

Our friendly team will explain what you can do to are trained to help you find the right support, so please contact us and we can assist you through this difficult time.

Once you have set up a payment plan that is affordable to you, then you will feel better knowing that you have taken control of your finances. The sooner you start to pay the quicker the account will be cleared.

How do I make a payment?

Once you know how much you want to pay (our budget calculator can help with that), you can set up your payment plan by emailing us or give us a call.

What are my payment options?

There are a number of ways you can pay us.

You can set up a Standing order, pay online at make a payment, make a one off payment to our bank , call us to pay over the phone by card, you can set up a continuous card authority with us to make a set payment each week or month on a set day of the month. Choose whichever way is best for you. Please ensure that you always quote your reference number from the top of our letter or email when you make a payment.

Can I make an extra payments?

You can make an extra payments any time whenever you like – it will not affect your payment plan and it could help to pay off your debt faster. Make an extra payment by going online or giving us a call. Please ensure that you always quote your reference number from the top of your letter or email, when you make a payment.

What happens if I miss a payment?

We understand that there are sometimes circumstances that may result in you missing a payment. If this happens or you know that you are unable to make the payment on the due date then its always best to call us to advise why and we can note your file. If you miss payments without telling us why, we will try to contact you so that we can understand what’s happened. If we still don’t hear from you, your account will show as ‘in arrears’, which means you’re behind on your payments.

What if my last payment is less than the amount agreed in my payment plan?

You’ll never pay more than what you owe. So, if your payment plan is for £20 per month, but you only have £12 left to pay, your last payment will be £12.

How much do I have left to pay?

You can call us or email us at any time for an updated balance on your account.

Should I carry on paying the company my debt was originally with?

No, it’s best to cancel your payments with the original company and set up a payment plan with us. Now that your account is with Lowell, any payments you make to the original company will be forwarded to us. This will delay the payment being added to your balance.

How can I see a statement of my payments?

You can see a statement of all the payments you’ve made so far, on your online account. If you want to see a statement of the payments you made to the original company, just call us and let us know. We’ll get in touch with the original company and send the statement to you.

Can you help me understand how much I can afford to pay?

We have several ways to help you understand what you can afford. Our budget calculator could help you understand your finances better and doesn’t take long to fill in.

How do I amend or cancel my payment plan?

We understand that things can change. If you feel that your payment plan doesn’t work for you anymore, please get in touch and we can help you find the best way forward.

I’ve already paid this off. Why are you still contacting me?

If you think you’ve paid this debt, please get in touch to let us know. We’ll ask for details of the payments made such as the amount, method and who the payments were made to. Once we have the information we need, we’ll investigate with the original company.

Nicolas Buffault

11:59 29 Nov 24

Been working with DCS for several years. Great team, very responsive & efficient. We had a lot of successes with difficult collections which we would have had to write-off otherwise.

Stephanie Hudson Strzalko

14:35 27 Nov 24

Always fast and efficient service from the great team at DCS, it's a massive comfort as a small business to have a debt collection company you can rely on.

MADV Madventure

10:40 06 Mar 24

Excellent communicate and support, we are very happy with their service and we have used them a few times now. Not local to us, but that does not have any negative impact at all

Andrew Hillier

15:03 25 Oct 23

A thoroughly professional service. The team is friendly and pragmatic and always ready with sound advice. I can unreservedly recommend DCS UK Ltd.

Synergos Consultancy Ltd

13:42 28 Mar 22

It is quite rare that we have to call on this service but I have to say when we do, the team are quick and efficient in getting a resolution in place. I would highly recommend this service.

Susan Richardson

11:35 11 Feb 22

Since the pandemic we were experiencing more and more a trend for non payment of our services, came across DCS by chance and i have to say they have far exceeded our expectations, they have managed to recover the majority of our debts.

They are also an extremely great Company to deal with incredibly efficient and professional, SO WELL DONE TO ALL OF THE TEAM

Jodie Lovric

13:40 25 Jan 22

Having dealt with somewhat antiquated and inefficient debt recovery companies in the past, Debt Collection Services UK Ltd are a breath of fresh air. Every team member I’ve dealt with has been incredibly helpful and responsive, even providing useful advice where there would be no financial gain for themselves.

As a small, family run business it can sometimes be difficult to enforce our policies and remove feeling and emotion from the equation. DCS have given us the confidence to do just this and with great success.

Thanks so much to all involved 5⭐️‘s

Harry Walker

15:29 15 Dec 21

Fantastic service, they are great at collecting the difficult, long term debts.
They quickly get action from the clients which ignore your statements.
If you're considering writing off a load of old debts, try these guys first!

Ravens Way Metalworks

14:41 08 Jul 20

We're very impressed with DCS's speed and professionalism, even dealing with our queries out-of-hours. They work fluently as a team and provide excellent guidance at every turn.

A bonus for us as a micro business with a wide range of invoice values is that they are happy to recover small debts as well as larger ones.

Wouldn't hesitate to recommend them, and we will certainly keep using them to collect future late payments.

Jason Morrissey

09:27 27 Sep 19

We have been using DCS for a number of years. I have found them a pleasure to work with - the team are proactive, attentive and always available whenever a query arose. More importantly, they have successfully helped us recover the majority of bad debts both swiftly and hassle free. Highly recommended.

Lloyd Evans

15:02 13 Sep 19

We have used DCS for a number of years now and are extremely happy with their whole offering. Everyone is very professional and friendly providing excellent advice and guidance on matters. They have helped us improve our recovery rates significantly and have no hesitation in recommending them.