Advantis Credit debt collectors: who they are and what to do

Type of company

Debt collection and recovery agency

Regulation

Authorised by the FCA, member of the Credit Services Association

Location

Stoke-on-Trent

First step

Do not pay or give card details on the call

Who are Advantis Credit?

Advantis Credit Limited is a debt collection company based in Stoke-on-Trent. It is authorised by the Financial Conduct Authority and is a member of the Credit Services Association. It collects debts for other organisations, so its name may not match anyone you remember dealing with.

Are Advantis Credit legitimate?

Advantis Credit Limited is authorised by the FCA and belongs to the Credit Services Association, whose code of practice it follows. You can confirm its details on the FCA register.

A real company does not prove that a particular claim is correct, and caller ID can be faked, so check the debt first. Do not use links or numbers in an unexpected message. Contact Advantis through the details on its official website.

Why are they contacting me?

Advantis contacts you because it believes you owe money on an account passed to it for collection. The original company, such as a bank, utility or retailer, may not be named on the first contact. Occasionally the person they want is someone else, for example a previous resident at your address, so if you do not recognise the debt, say so in writing.

If you have been called from a particular number, see our guide to 07891891162: who called?

What can Advantis Credit do?

Advantis Credit is a debt collection firm, and a debt collector has no special legal powers of its own. It can write, phone, text and email you, and may offer a payment plan, but it must not mislead you, harass you or threaten action it cannot take.

• Court action: if you do not engage and the debt is genuine, the creditor or collector can start a county court claim. Never ignore court papers: a judgment can follow, which harms your credit record and lets the creditor enforce it.
• Bailiffs: for most ordinary debts, bailiffs can only be instructed after a court judgment. You do not have to let anyone in.
• Prison: you cannot be sent to prison for owing money to a debt collector.

Before you pay anything

• Ask for a letter showing the original creditor, the account number, the amount and how the balance is made up.
• Do not confirm personal details or read out card numbers on an unexpected call. Ring back using the number on a letter or the official website.
• Check your credit reports to see whether the account appears.
• Be careful with old debts. In England and Wales a debt can become unenforceable in court after six years (five in Scotland), but paying or admitting it can restart the clock. Get advice first.

How to deal with Advantis Credit

1. Open every letter and keep copies. Ignoring contact tends to make things worse.
2. Check the debt is yours and the amount is right.
3. If it is yours and you can afford regular payments, work out a budget first, then offer an amount you can keep to and get the agreement in writing.
4. If you cannot afford to pay, do not agree to a plan you cannot keep. Get free advice first.

Free advice is available from MoneyHelper, StepChange, National Debtline and Citizens Advice.

If you cannot afford to pay

• A debt management plan for steady income.
• An IVA for larger debts.
• A debt relief order or bankruptcy where income and assets are low or debts cannot be repaid.
• Breathing Space gives 60 days of protection while you get advice.

How to complain about Advantis Credit

Complain to Advantis first, in writing, and keep copies. If you are not happy with its final response, or it has not resolved the complaint within eight weeks, you can take it to the Financial Ombudsman Service, which is free. The Credit Services Association also has a code of practice you can refer to.

Advantis Credit contact details

We are not associated with Advantis Credit. This information is provided to help people contact their creditors. Contact details change, so check the company’s website before you write or call. Last reviewed 11 November 2026.

Frequently asked questions