Wescot Credit Services Ltd Reviews 

Had a fantastic experience, the lady’s how I spoke were very helpful. Very much appreciated.

Big Thanks for Wescot Help me on my situation !!!

Not very helpful and good would not recommend them

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 increase our paymnents. All this was conducted in a friendly manner.

The guy I spoke to was amazing,understanding,asked if I was now safe,how my mental health was.....it was so nice to be listened to

Thankyou

I don't normally leave reviews, as I prefer to share my feedback directly. However, this time I felt it was important to write one because I was going through a very difficult period.

Every person I spoke to was kind, compassionate, empathetic, and professional. They listened without judgment, treated me with respect, and made me feel genuinely supported during one of the toughest times in my life.

I am truly grateful for the care and understanding I received. Thank you to everyone who took

Not updating balances after receiving monthly payments through StepChange.

PRA Group UK as the legal owners of my debt outsourced it to Wescot without informing me. Regardless, of the outsourcing, Wescot has received a monthly sum of £419.86 through my StepChange debt management plan. Despite this, no payment transactions have been updated on my PRA Group account since March 19th 2026

I contacted Wescot who initially claimed that they no longer managed the debt and PRA Group UK had resumed management. Two days later, I phoned again, Wescot were handling the debt but were experiencing a “system error” with no timeline that they could provide when it would be resolved.

Wescot confirmed they had received three instalments totalling £1259.58 and not returned this to StepChange. StepChange confirmed no money had been returned. They could not confirm my balances and as such I can’t ensure my last StepChange payment next month covers the remaining balance of the debt.

Both PRA Group UK and Wescot have been contacted and still open their responses with balances that are three months out of date and do not show the last three payments.

Both PRA Group UK the legal owners of my debt and Wescot the company they outsourced it to are culpable for their inability to resolve this.

If not resolved - I will be reporting them to the Financial Ombudsman Sevice. As a company with a system error covering a quarter of a financial year are not fit to be trading or chasing other people for their debts

I don't normally leave reviews for debt collection companies, but credit where it's due.

I recently contacted Wescot regarding financial difficulties and requested written communication due to personal circumstances.

My concerns were acknowledged, my communication preferences were respected, my mobile number was removed from their records, and an affordable repayment arrangement was agreed without any pressure or judgement.

The member of staff who dealt with my account was professional, understanding and genuinely helpful throughout.

When you're already dealing with financial stress, being treated with kindness and respect makes a huge difference.

Thank you.

I got a message saying I had a late payment when infact your system does not take into account bank holidays. I was deeply stressed as this account is set up on a direct debit.

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.

Friendly, helpful and caring. Very professional. Reassuring

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 was the first phase of the state pension and missed my pension by 7 weeks! Lloyds at the time, had a policy where from 60 onwards you could only work 3 days and must be in possession of your state pension. I had a staff loan from Lloyds at a staff rate and was forced to put this onto interest only paying £1 a month. This loan was passed to many lenders who treated me like dirt, but Wescot have always been respectful and caring. I got a job at 62 and retired at 71, and paid everything back in full except this loan and, as im retired and don’t get any benefits, I can only continue to pay £1 a month. However, when I worked helping others who found themselves in debt, I would have been proud to pass their debts onto Wescot.

The Wescot agent was excellent and made me aware of the help Wescot could provide. He put my mind at rest and was thoroughly professional.

Communications always clear, calls always quickly answered and the agents have always been clearly spoken ( I'm a bit deaf) willing to answer questions and very patient.
Payment by direct debit is easy and regular updates useful.

Reception was good
Assistance was good

Just had major heart attack.
Very understanding, professional staff,helped me in time of need.
THANK YOU.

Wescot are really understanding there worked out a plan for me and where very good to help me out, thank you.

I took on the management of my partner's credit card debts few years ago and in that time I've had numerous phone conversations with Wescot agents.
I have always, without exception, found them to be polite, understanding and very empathetic to the situation. I have never experienced any form of pressure from Wescot.
As a sole trader for practically all my working life I appreciate the importance of good customer relations and I can only commend Wescot's staff whole heartedly.