McVicar Debt Collections Ltd Reviews 

UPDATE 12.03.26
McVicar finally contacted me as a result of this review and told me I would receive my money within 7 days... 14 days later I'm still waiting and once again they've stopped responding to my emails. Please don't waste your money on them!!!
NOT ONLY HAVE THEIR PHONE LINES BEEN DOWN SINCE JANUARY THEIR ACCOUNTS ARE ALSO OVERDUE AT COMPANIES HOUSE
Like the review from Harrasement I have made numerous attempts to contact McVicar. They do not reply to my emails, their phone lines have been shut off and my tracked letter could not be delivered as their office had closed! They told me on 15th October 2025 they had collected my money from the debtor and I've still not received a penny. Next stop Trading Standards and Financial Ombudsman.
YOU WILL WASTE YOUR MONEY PAYING THESE SCAMMERS ANYTHING!

Any good review on here has been written by employees of the company

Embarrassing !

These are cowboys who try to collect illegally - do not use them !! You will regret it big time

My experience with McVicar Debt Collection Ltd has been wholly unacceptable and raises serious concerns about their compliance with professional and regulatory standards.

Since April 2025, I have formally disputed the alleged debt in writing on multiple occasions, using all three of their published email addresses. Despite this, I have received no meaningful engagement with my dispute.

Instead, the company has continued to pursue enforcement through repeated telephone calls and unannounced doorstep visits. This has occurred despite being notified that the account is in dispute and they have no viable evidence that it was ever a debt. In my view, this conduct is inappropriate, intimidating, and contrary to accepted debt collection practices.

Their correspondence and communications make use of threatening and alarmist language (CCJ’s, impacting credit scores) which appears designed to cause distress and pressure rather than resolve the matter fairly or transparently.

I am also concerned that this company is not authorised by the Financial Conduct Authority to carry out regulated debt collection activities, yet presents itself in a manner that suggests regulatory legitimacy.

Due to their failure to respond to my dispute, their continued pursuit without proper investigation, and their intimidating approach, I have now reported this matter to Trading Standards.

I would strongly advise anyone dealing with this company to keep full written records of all contact and seek independent advice. Based on my experience, their lack of professionalism, transparency, and procedural fairness is deeply concerning.

Scam, do not use. Worst kind ever

McVicar got my funds back in 4 months, I had a few reports in that time since November but ultimately I assumed they would have the job in hand so I left them to get it done, £1000 in unpaid wages collected in month 2 & after their buffering period of 60 days I was paid straight out.

Saw a lot of reviews on here from people who are being chased for money, doesn’t seem fair that they get to rate a service that isn’t provided for them, they are the reason the job even exists. Scum of the earth. Thanks McVicar team!

Totally unregulated, avoid like the plague.
Not registered under the FCA after getting this checked with authorities, which rings alarm bells. The staff in that office are all delinquents. They have no power or intelligence, complete cowboys!

They will take your money and promise to get funds back however, if they are chasing you for debt, let me tell you all reading this, do not worry, they have no power and never show ever after chasing someone for 2 years they have never visited the site, despite claiming to do a door visit as they dont want to put any effort in.
The claimant needs to take the person to court before they have any power (CCJ), which can take months or years. The backlog of court hearings can be 18+ months.

Complete waste of time, they will not get your money back! They are more interest in taking the money upfront from you for the service.

Go somewhere else and for those being chased. Sit back relax and enjoy the show, they will not do anything.

I used this company to retrieve some debt that was owed to me, they was very friendly from start to finish, they collected the monies very fast and was a pleasure to work with these.
Thank you very much McVicar Team I will be using this company again and I would recommend yous to anyone.

McVicar Debt Collection have been professional, efficient, and supportive throughout. The team communicate clearly, act with integrity, and handle matters promptly while remaining respectful at all times. It’s refreshing to work with a company that balances strong results with a genuinely customer-focused approach. Highly recommend their services.

I am currently a customer of this company.Engaged their services. Paid my fee. They’ve collected the debt owed to me, received an email in October telling me the payment was with finance department. No response to calls or emails. I’m currently getting together evidence to forward to the Financial Services Ombudsman. Do not give this company your business!

Absolute cowboys. No respect for indiviuals privacy, no respect for the law. Refuse to remove numbers from their database that are incorrectly linked to someone they are chasing. Horrible staff, even worse management. The lowest of the low. The anxiety this company is causing me is off the scale. Don't believe their clearly fake reviews either. This one is genuine 100%.

I am really fed up to the back teeth with this company!They have openly acknowledged that they have collected my debt and continue to refuse to pay it back to me (months after it was collected!!!)I am told to contact their accounts team and they don't reply. They promise to send me my contract and don't do it . They deflect/delay ,but what they don't do is serve you the customer AVOID AVOID AVOID

This company is an absolute joke of a company, it won’t be long until they don’t exist anymore. They will collect your money and you won’t hear from them again. They have told me over and over I will hear back from the accounts team that clearly doesn’t exist or don’t care!! AVOID this company at all costs. Completely unprofessional and shambolic service. There is much better out there.

I have been harrassed by these people for the last 10 months, despite giving evidence of being vulnerable with disabilities and disputing what they say is owed. They have put astronomical fees on and keep say each visit they will add another £350. They have questioned my neighbours and keep leaving debt cards with my details in areas where the public can see and pick up and read.This is a breach of GDPR they have a responsibilty to keep my personal and sensative data private. They are breaking all the FCA rules by doing the above yet state they follow them. They are scamming both sides by harrassing people into paying and then not passing those payments on. I would urge those who are paying them to stop and negotiate payments with the origininal creditor.

Update.
These people have continued to bully and harrass me. Despite being asked not to contact me as I am dealing with the original creditor. I would urge everyone to contact trading standards and make a complaint to stop the distress and anxiety this company are causing to both sides.

DO NOT USE THIS COMPANY
This company will not answer the telephone, reply to emails or make payment when promised. They collected our debt quite swiftly back in August which obviously we were over the moon about however, we are now in December and we still have not received our money. We can not get to speak to anybody in accounts. They advertise that "Once the complete debt has been collected the funds will be returned on the 15th of the following month". We are still waiting.

Extremely worried about this company. They are collecting payments for us for a large debt. We presume the payments continue but all communication has stopped. They do not answer the phone and never respond to emails. We believe they are holding our money and intend to take this further. If anyone has another way of contacting them id love to know.

Overpromise: once I’d paid the service was non existent. I have to keep calling them to chase and find out what’s happening. Promise to call back but don’t, excuses are creative: key person: Kayley ‘just left office’ or ‘had an emergency’ ‘will call you back tomorrow’ which of course never arrives. The best one is ‘we’re implanting new system’ for the last 6 months?? Oh and the ethereal person who is my case manager doesn’t seem to exist.
Promise to visit debtors: don’t.
Apparently some debt has been collected, but it’s not in my pocket yet. Told I had to send in official complaint: still no reply.
Only use If you want to waste time chasing them and money.
How do you function McVicar? How do you live with your conscience ripping customers off and failing?
I look forward to hearing from you following my complaint.

Was unsure if McVicar would be of any use in recovering a debt from a perpetual non-payer however spoke at length to Debbie at length who explained in detail about how the business worked and their success rate. She was very assuring and when I put the claim through McVicar it was all as she had explained and the repayments started very quickly.

Exactly what people that introduced me to you said about ur good and dedicated towards ur job,pls continue to do your good job.i really appreciated ur work for me.pls keep it up.

Really appreciated the help provided by the team in helping us recover an outstanding old debt. They were polite, speedy and got the matter resolved very promptly.

Excellent service. Never needed to use debt collector before but had a CCJ which debtor refused to pay. Found McVicar through an internet search and so glad I did. Quick, efficient service from knowledgeable staff. Kacey was amazing and Tommy called me within 24 hours of signing up to say the debt had been paid in full. Excellent service and I would definitely recommend and use again.