Letter from Ellis & Co? Read this before you pay or call back

If a letter or text from Ellis & Co has just landed and you’re not sure what the debt relates to, you are not alone. Ellis & Co is a name that appears in UK debt-recovery correspondence — sometimes as a contingent collector chasing balances on behalf of the original creditor, sometimes acting on a debt they now own. Either way, the same UK consumer-credit rules apply.

This guide covers what Ellis & Co are legally allowed to do under the FCA’s CONC rules, how to confirm the debt is genuinely yours, and the realistic options if you can’t pay it in full — including how an IVA can legally stop them and write the debt off.

Who Ellis & Co are

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Ellis & Co operate in the UK consumer-credit recovery space and are required to be regulated by the Financial Conduct Authority for that activity. Like every UK collector they must follow the FCA’s Consumer Credit Sourcebook (CONC), the Consumer Credit Act 1974, and — for any post-default interest or fees — the terms of the original credit agreement. Most UK collectors of consumer-credit debt are also members of the Credit Services Association, the trade body for the industry.

The first practical question is whether Ellis & Co now own the debt or are chasing it on behalf of the original creditor:

• Debt purchaser — they bought the account from the original lender at a discount. Settlement decisions sit with them.
• Contingent collector — the original creditor still owns the debt. Ellis & Co chase it on a fee, and settlement discussions sometimes need to be ratified by the original creditor.

Ask Ellis & Co in writing which of those roles they hold. The answer changes who can agree settlement and on what terms.

What Ellis & Co are legally allowed to do

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Ellis & Co are debt-recovery agents, not bailiffs. They can:

• Write to you, including by post, email and SMS
• Phone you on numbers you provided to the original creditor
• Apply (or recommend their client apply) to a county court for a County Court Judgment (CCJ)
• Once a CCJ is in place, support attachment of earnings, charging order or High Court enforcement
• Sell or transfer the debt to another debt purchaser

What they cannot do without a court order:

• Force entry to your home
• Take goods, including from your driveway
• Threaten arrest — the debt is civil, not criminal
• Continue contacting you after a written request that they stop
• Add fees that aren’t agreed in the original credit agreement

If an Ellis & Co field agent ever turns up at your door, you have no legal obligation to speak to them, let them in, or sign anything. Politely ask them to leave and follow up in writing.

Step 1 — confirm the debt is actually yours

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Before paying anything to Ellis & Co, the single most useful action is a CCA request. Under sections 77/78 of the Consumer Credit Act 1974, you have the right to request a copy of the original signed credit agreement. Send it in writing, enclose the £1 statutory fee, and keep proof of postage:

Dear Ellis & Co,

Re: Account [reference], in the name of [your name]

Under sections 77/78 of the Consumer Credit Act 1974 I formally request a true copy of the original credit agreement under which this debt arose, together with the statement of account showing the assignment of debt and the current balance.

I enclose the £1 statutory fee. The £1 fee is in respect of the request only and is not an admission of debt or an offer to pay any amount.

They have 12 working days plus a further 30 calendar days to respond. While they are unable to comply, the debt is legally unenforceable — they cannot lawfully pursue or use court action. Many older or bulk-purchased debts cannot be backed by the original signed agreement, and a successful CCA request often ends the matter.

Step 2 — check whether the debt is statute-barred

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Most consumer debts in England and Wales become statute-barred under the Limitation Act 1980 once six years have passed since you last made a payment or acknowledged the debt in writing — provided no court action has been started in that window. In Scotland the equivalent period is five years, and once “prescribed” the debt ceases to exist legally rather than just being unenforceable.

Don’t make a token “goodwill” payment before checking the dates — even £1 resets the limitation clock.

Step 3 — pay, partially pay, or use a formal solution

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If the debt is genuinely yours, recently incurred and within the limitation period, the question is what you can realistically afford. The honest options:

• Pay in full if you can. Ellis & Co will sometimes accept a discount for a one-off settlement, particularly on older accounts.
• Affordable repayment plan based on the Standard Financial Statement. Under CONC they must consider what you can genuinely afford after essentials.
• Debt Management Plan (DMP) — a single monthly payment distributed across all unsecured debts. Stops the chasing; no write-off.
• Include the debt in an IVA if you owe £5,000 or more in total unsecured debt across two or more creditors. The IVA legally stops Ellis & Co pursuing you and writes off the unpaid balance at the end of the term.
• Apply for a Debt Relief Order if your total debt is under £50,000 and your spare income is very low.
• Bankruptcy if no realistic monthly contribution is possible.

Always confirm any agreement reached with Ellis & Co in writing, and never give bank details over the phone unless you are confident the call is legitimate.

Common pitfalls to avoid

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• Don’t ignore CCJ paperwork. A claim form starts a 14-day timer for acknowledgement of service. Miss it and judgment is entered by default.
• Don’t make a token “goodwill” payment before checking dates and validity. It can reset the statute-barred clock.
• Don’t ring a number from a text without verifying it through an independent channel — phishing using collector branding is common.
• Don’t agree to a payment plan you can’t afford in the hope of silencing the calls. Pressure tends to increase when you default.

Frequently asked questions

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Are Ellis & Co bailiffs? No. Ellis & Co are debt-recovery agents. They can write, call and visit, but cannot force entry or take goods without a CCJ followed by separate enforcement instruction.

Can Ellis & Co take me to court? Yes — directly if they own the debt, or via the original creditor if they are acting on a contingent basis. Most uncontested claims succeed by default.

Will an IVA include Ellis & Co debt? Yes — Ellis & Co-handled consumer-credit debt is unsecured and goes into an IVA on the same basis as any other unsecured debt.

How do I make Ellis & Co stop calling? Send a written request that future contact is by post only. Under CONC, they must comply.

Related guides

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• Lowell Financial — major debt purchaser
• Do debt collectors give up?
• How long can I be chased for a debt?
• Can debt be written off?
• How do I apply for an IVA?