Scott & Mears Credit Services Limited Reviews 19

TrustScore 3.5 out of 5

3.3

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Company details

  1. Debt Collecting
  2. Debt Collection Agency
  3. Legal Services

Written by the company

Are your personal efforts to recover debt failing? Many businesses undertake the role of debt collection themselves, when in truth debtors usually respond best to contact from a third party, like ourselves. Established 1991, Scott & Mears have been providing professional, stress free Debt Collection services throughout Essex and the UK for over 30 years. We work with a variety of industries from finance companies, leasing and councils, to funeral directors. We offer a complete range of Debt Recovery and Collection Services from tracing absconders, to enforcement of a County Court Judgment, Tracing, Consumer collections and business collections. At all times we act in a strictly professional manner, always aware that we are representing your company. By acting in this professional manner you will never have to waste your valuable time on resolving customer complaints. We are members of the Credit Services Association (CSA) and the FCA, and we strictly adhere to their Code of Conduct. This enables us to collect debts in an ethical and effective manner, leaving you with the complete peace of mind knowing that we are recovering your money in the most ethical and professional way. Visit our website www.scottandmears.co.uk and contact us today to learn more.


Contact info

3.3

Average

TrustScore 3.5 out of 5

19 reviews

5-star
4-star
3-star
2-star
1-star

Replied to 100% of negative reviews

Typically replies within 48 hours

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Rated 1 out of 5 stars

⚠️ AVOID AVOID AVOID ⚠️

THE WORST DEBT COLLECTION AGENCY IVE EVER HAD THE MISFORTUNE OF BEING INVOLVED WITH

THEY PURCHASED AN ALLEGED DEBT FROM A COMPANY THAT WENT BUST.

I ASKED THEM FOR THE TRANSFER OF OWNERSHIP PROOF WHICH THEY FAILED TO PROVIDE.

I REQUESTED PROOF OF SAID DEBT, SUCH AS A SIGNED CONTRACT, BUT THEY COULD NOT LOCATE IT

THEY PHONE ME AND OFTEN LEAVE VOICEMAILS SAYING “YOU NEED TO CALL US” - WHO ARE THEY TO TELL ME WHAT I NEED TO DO? I HAVE HUMAN RIGHTS, I DO NOT DO WHAT THEY TELL ME!!

THEY SEND WEEKLY EMAILS THREATENING COURT ACTION AND BAILIFFS AND NEGATIVE CREDIT FILE REPORTS AND HAVE DONE SINCE 2022 YET THEY NEVER BOTHER. I HOPE THEY DO SO I CAN FACE THEIR LIES IN COURT.

EXTREMELY UNPROFESSIONAL

I STRONGLY DO NOT RECOMMEND THIS COMPANY TO ANYONE IF YOU HAVE THE CHOICE

June 2, 2025
Unprompted review
Scott & Mears Credit Services Limited logo

Reply from Scott & Mears Credit Services Limited

Thank you for taking the time to share your concerns. We understand that debt-related matters can be distressing, and we always aim to engage in a professional and respectful way, in line with FCA guidance and our obligations under consumer law.

With regard to your comments on proof of debt and ownership, we respond to such requests in accordance with legal requirements. If any documentation is missing or unclear, we’re happy to clarify this directly - provided we have the necessary details to identify your case.

If you are open to resolution, we encourage you to contact us at customer@scottandmears.co.uk, quoting your reference number or any relevant information so we can assist further.

Thank you again for raising these issues — we are here to help if given the opportunity.

Rated 1 out of 5 stars

VERY VERY BAD INDEED

THE MOST AWFUL DEBT COLLECTION COMPANY IVE EVER HAD THE MISFORTUNE OF USING

THEY USE HARASSING AND BULLYING TACTICS TOWARDS ME

THE ARE EXTREMELY UNPROFESSIONAL

THE STAFF MEMBERS ARE VERY RUDE AND DO NOT CARE FOR THEIR CUSTOMERS WHATSOEVER IN MY EXPERIENCE

I HIGHLY DO NOT RECOMMEND THESE

May 2, 2025
Unprompted review
Scott & Mears Credit Services Limited logo

Reply from Scott & Mears Credit Services Limited

Thank you for taking the time to leave a review. We're sorry to hear that you have had a negative experience and we take your concerns seriously.

We would like to better understand what has happened and address your concerns properly. We invite you to contact us directly at customer@scottandmears.co.uk, quoting your reference number and any relevant details. This will allow us to fully investigate the matter and respond appropriately.

Rated 5 out of 5 stars

What can I say but excellent customer…

What can I say but excellent customer service from the team at Scott and Mears credit services limited thank you for understanding my current situation, I am hoping this year things will be better, thank you Molly and the rest of the team at Scott and Mears, sorry if I did not mention your names but I appreciate your help all of you, all the best.

February 3, 2025
Unprompted review
Scott & Mears Credit Services Limited logo

Reply from Scott & Mears Credit Services Limited

Thank you for the 5-star review! We're delighted Molly and the team could provide excellent service and understanding.

Rated 5 out of 5 stars

Big thanks to Lucy

Companies run on people. That's the fuel. Every company has them, that's how the world works. What makes great companies different is their people. When someone hears you on the other side, your experience is shaped by that first point of contact.

For me, it was Lucy Morgan. Fortunately.

I felt heard. I felt valued. And above all, not a single word of judgement. I was expecting the worst. A condescending tone, a slip of a you-messed-up-pretty-bad or some sternly, robotic professionalism in the least.

But I got a genuinely kind and understanding response from Lucy which gave me much hope. She not only resolved my issue, and gave me clarity about my account, but also instilled confidence in me that all is not lost.

There are people like Lucy out there—an asset for any company. A beautiful heart to appreciate that people do care.

January 16, 2025
Unprompted review
Scott & Mears Credit Services Limited logo

Reply from Scott & Mears Credit Services Limited

Thank you so much for the fantastic review!

We're so happy to hear about your positive experience with Lucy. We truly believe our people are our greatest asset, and it's wonderful to know Lucy made you feel heard, valued, and understood.

We'll be sure to share your kind words with her.

Rated 5 out of 5 stars

Caring and supportive staff

I had an excellent experience when talking to Scott and mears regarding my owed debt (Katie). Really took the time to understand and support me through the process.

Thank you to Katie and the team for the unbridled support and understanding

January 9, 2025
Unprompted review
Scott & Mears Credit Services Limited logo

Reply from Scott & Mears Credit Services Limited

Thank you, Lucas! We're delighted to hear that you had an excellent experience with Katie and the team.

We believe in taking the time to understand each individual's situation and provide the support they need, so it's especially rewarding to receive your feedback. We appreciate you sharing your positive experience.

Rated 5 out of 5 stars

The service and support I had from this…

The service and support I had from this company is amazing especially from molly and Maisey
Thank you

January 2, 2025
Unprompted review
Scott & Mears Credit Services Limited logo

Reply from Scott & Mears Credit Services Limited

Hello Helena,

We appreciate your kind words and we are glad that you have been satisfied with the support you have had from our team.

If you need any assistance in the future, please do not hesitate to contact us.

Rated 1 out of 5 stars

Absolutely disgusted with this company

Absolutely disgusted with this company. I was originally with a creditor named "the credit thing" who went bust. Next thing you know scott and mears who I'd never heard off (apparently The Credit Thing sold them my debt) say I've missed 6 £10 payments and have absolutely decimated my GREAT credit score. Was "very good" now sits at "very bad"..

I explained the confusion and offered to pay the entire amount of the debt and have those "late payments" cleared. But they seem to just want to cause me pain or guess that I'm lying and are flat out refusing to change those errors.

December 23, 2024
Unprompted review
Scott & Mears Credit Services Limited logo

Reply from Scott & Mears Credit Services Limited

We’re sorry to hear about your experience. It is never our intention to cause distress, and we take your concerns very seriously. The team would like to review your case to ensure everything has been handled correctly. Please reach out to us at customer@scottandmears.co.uk so we can assist you further.

Rated 5 out of 5 stars

Thank you

Thank you for helping and understanding me in these times

December 12, 2024
Unprompted review
Scott & Mears Credit Services Limited logo

Reply from Scott & Mears Credit Services Limited

Dear Jake,

Thank you for your kind words. We're truly glad to have been able to support you during a challenging time. Providing understanding and effective assistance is at the heart of what we do, and it means so much to know that our efforts have made a difference. If we can help in any other way, please do not hesitate to reach out.

Best wishes,

Scott & Mears.

Rated 5 out of 5 stars

Professional from start to finish

Professional from start to finish! We were kept updated with the work we required to be carried out. Successful outcome! Thank you.

November 20, 2024
Unprompted review
Scott & Mears Credit Services Limited logo

Reply from Scott & Mears Credit Services Limited

Thank you for your kind words, it was great to work with you. Should any outstanding issues arise in the future we would be more than happy to help.

Rated 1 out of 5 stars

Ref: 201178290. Demanding.

Ref: 201178290

Keep sending me text messages and emails demanding money. Considering this company knows that I currently have an IVA, they should not be demanding money from me, but the solicitors that are in charge of the IVA.

October 10, 2024
Unprompted review
Scott & Mears Credit Services Limited logo

Reply from Scott & Mears Credit Services Limited

Thank you for bringing this to our attention. We apologise for any frustration or confusion which may have been caused by our messages, we are aware of your IVA arrangement and would like to assure you that these communications are not a demand for payment, however, we are lawfully required to provide you with certain service notifications regarding your account, such as monthly statements. I can confirm that processes are in place to allow for communication with Insolvency Practitioners where an arrangement is confirmed.

It has been identified that an SMS message was issued in error by our operating system, we are sorry that you were affected by this, and I can confirm that we are actively working to prevent any further instance of this kind in the future. If there is anything further that we can help you with, please do not hesitate to reach out to us directly.

Thank you for your understanding and patience.

Rated 5 out of 5 stars

For me these guys are to be recommened.

For me these guys were just what I needed, the stress from this client lifted as scott & mears took over the reins.

April 1, 2024
Unprompted review
Scott & Mears Credit Services Limited logo

Reply from Scott & Mears Credit Services Limited

Thank you so much for your kind words and 5-star review! We're thrilled to hear that you were happy with our service and that we could meet your expectations. Your satisfaction is our top priority, and your feedback means a lot to our team. If you ever need assistance in the future, don’t hesitate to reach out. Thanks again Dougal.

Rated 1 out of 5 stars

Unsolicited call by mistake!

Today I was called and left a voice mail by this debt collector by "error".

Scott & Mears were calling me representing Club Med. This was their second call regarding the issue. During the first call a month ago on December 20, 2023, I explained my position and the reason for refusing to pay Club Med. Trustpilot users can read the reason in my Club Med review.

Today when I called back in response to the voicemail I was informed that the case was actually waiting for their client - Club Med - to respond. Today's phone call to me during my busy working hours was a simple "error" by their debt collector!

According to Scott & Mears's website, they are "members of the Credit Services Association (CSA) and the FCA, and they strictly adhere to their Code of Conduct.” - right! I wonder what FCA would think of making such unsolicited calls!

Getting a call from a debt collector is stressful. Stop doing it for the chuckles!

Your case reference: Club Med SAS 201098563

January 16, 2024
Unprompted review
Scott & Mears Credit Services Limited logo

Reply from Scott & Mears Credit Services Limited

Thank you for your feedback, and we’re sorry that we didn’t meet your expectations. Although some time has passed, we’re committed to improving and making things right wherever possible. If you’d like to discuss this further, please get in touch.

Rated 5 out of 5 stars

Scott and Mears

It has been a pleasure to deal with Lewis, he is pleasant and had understanding of my situation

November 21, 2022
Unprompted review
Scott & Mears Credit Services Limited logo

Reply from Scott & Mears Credit Services Limited

Thank you Glynis for your kind words regarding our debt recovery services. We are glad that you had a positive experience with Lewis, this is something we wish to continue in our communications with all individuals.

Rated 5 out of 5 stars

I've found Scott and Mears very helpful…

I've found Scott and Mears very helpful in recovering debts from some difficult tenants over the last 2 years.

August 1, 2022
Unprompted review
Scott & Mears Credit Services Limited logo

Reply from Scott & Mears Credit Services Limited

Thank you Mr Williams for your kind words regarding our debt recovery services. We really hope to continue this relationship if you are ever
in need of collections services going forward!

Rated 5 out of 5 stars

Competitive & competent

Being a small, family business, unpaid accounts have a serious impact on us. We have used Scott & Mears as our debt recovery agent for nearly 20 years, and in that time they have given us excellent advice, recovered many debts which likely would have gone partly or wholly unpaid, and processed these with the minimum of fuss and inconvenience to ourselves. They do this at a very competitive rate, which again makes a big difference to our profitability.

July 28, 2022
Unprompted review
Scott & Mears Credit Services Limited logo

Reply from Scott & Mears Credit Services Limited

Thank you for your exceptionally kind words on our debt recovery services. We hope to continue to maintain and strengthen this relationship for a further 20 years to come!

Rated 5 out of 5 stars

Very helpful and genuine

Scott & Mears worked hard to get my debt recovered. They did everything to guide me through the process. I would recommend them and use them again, if I ever had to.

July 17, 2022
Unprompted review
Scott & Mears Credit Services Limited logo

Reply from Scott & Mears Credit Services Limited

We very much appreciate your choice to use us for your debt recovery needs. Thank you for taking your time to leave us such a positive review!

Rated 5 out of 5 stars

Scott & Mears have been a superb…

Scott & Mears have been a superb company to deal with. Advising and guiding me through the entire recovery process, court documents and hearings whilst providing a professional, yet kind service.
No stone left unturned proved to give us a positive result in a difficult case.

It can be incredibly daunting to embark on something you have so little knowledge of but Scott & Mears have been fantastic from start to finish. Can highly recommend & will be my “go to” in the future.

July 15, 2022
Unprompted review
Scott & Mears Credit Services Limited logo

Reply from Scott & Mears Credit Services Limited

Thank you so much for taking your time to write such kind words regarding our debt collection services. We look forward to working with you again in the future!

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