IMFS Debt Collection in the UK: Do You Have to Pay in 2026

Dealing with debt collectors can be stressful and confusing, especially when you receive calls or letters from IMFS Debt Recovery. 

You may have many questions, such as who they are, whether they are legitimate, if you really have to pay, and what your rights are if the debt isn’t yours or is outdated. Don’t worry, we’ve got you covered with this article.  

In this article, we break down everything you need to know about IMFS Debt Collection in the UK in 2026, including how they operate, what you’re legally required to do, and practical steps to protect yourself. Read on to get clear answers and take control of your situation.  

Who is IMFS Debt Recovery?

IMFS Debt Recovery is a UK-based debt collection agency that operates as a trading style of Integrated Contact Solutions Limited. The company specialises in recovering outstanding debts on behalf of businesses across various sectors, including utilities, telecommunications, financial services, and retail.

Rather than lending money directly, IMFS acts as a third-party intermediary between creditors and customers who have fallen behind on payments. This means they are typically instructed by the original creditor to contact you, request repayment, and help arrange suitable payment plans where necessary.

Their role is to recover unpaid balances in a structured and regulated way, often using a mix of phone calls, letters, emails, and online account management systems.  

Are IMFS Debt Collectors Legitimate? 

Yes, IMFS Debt Recovery is a legitimate debt collection agency operating in the UK. It is a trading style of Integrated Contact Solutions Limited, a registered company in England and Wales.

Key legitimacy indicators include:

• Registered Name: INTEGRATED CONTACT SOLUTIONS LIMITED
• Company Number: 09972113 (registered with Companies House)
• Registered Office: 4100 Park Approach, Thorpe Park, Leeds, West Yorkshire, LS15 8GB
• Regulation: Authorised and regulated by the Financial Conduct Authority (FCA Firm Reference No. 754982)
• Data Protection Registration: Registered with the Information Commissioner’s Office (ICO No. ZA168031)
• Industry Membership: Member of the Credit Services Association (CSA Membership No. 1008)
• VAT Number: 232384227

These registrations and memberships indicate that IMFS must follow strict UK regulations when collecting debts, including treating customers fairly and handling personal data responsibly.

Need Help To Deal with Your Debt?

There are debt solutions available in the UK that could help you take control of your debt. If you’re unsure which debt solution is right for you, fill out the online form below to get started. Once you submit the form, we’ll get back to you to help you find your options. 

We’re here to support you every step of the way. 

So, let’s get started…!  

 

Are IMFS Bailiffs?

No. IMFS are not bailiffs. IMFS Debt Recovery is a debt collection agency operating under Integrated Contact Solutions Limited, and their role is limited to contacting you and arranging repayment of debts on behalf of creditors.

What Is Their Relationship With the Original Creditor?

IMFS typically acts on behalf of the original creditor rather than replacing them.

There are two common scenarios:

• Acting as an agent: IMFS contacts you to collect payment, but the debt is still owned by the original company.
• Debt assigned: In some cases, the debt may be passed to IMFS to manage, although ownership may still remain with the original creditor or a third party.

In both cases, IMFS is responsible for communication and repayment arrangements, but the original agreement you entered into still applies.

What Companies Use IMFS Debt Recovery?

IMFS works with a range of businesses that need help recovering unpaid debts. These commonly include:

• Utility providers (gas, electricity, water)
• Telecommunications companies (mobile, broadband)
• Financial service providers (loans, credit accounts)
• Retail and catalogue companies
• Parking and transport-related services

The exact company that instructed IMFS should always be disclosed when they contact you. If it is not clear, you have the right to ask for full details before taking any further action. 

What Phone Numbers Does IMFS Use to Contact Debtors?

IMFS Debt Recovery, operating under Integrated Contact Solutions Limited, uses multiple phone numbers when contacting individuals about outstanding debts.

The most commonly reported IMFS phone numbers include:

• 0113 350 8520 – Primary inbound and outbound contact line
• 0113 350 6620 – Typically used for follow-up calls
• 0113 511 2820 – Often used for account-related queries

These numbers are linked to the Leeds (0113) area code, where the company is based.

IMFS may also use alternative or rotating numbers, meaning you could receive calls from different 0113 numbers over time. It is common for debt collection agencies to use multiple outbound lines when attempting to reach customers.

In many cases, calls may include an automated message or a request to call back with a reference number, which is a standard practice in debt collection communications.

If you are unsure whether a call is genuinely from IMFS, always ask the caller to confirm:

• Your reference number
• The original creditor’s name
• The exact amount owed

This helps ensure you are dealing with a legitimate enquiry before sharing any personal information. If they cannot, end the call and report it to Action Fraud on 0300 123 2040. 

Why Are IMFS Contacting Me?

IMFS Debt Recovery is usually contacting you because a company believes you owe them money and has asked Integrated Contact Solutions Limited to recover it on their behalf.

This can happen for several reasons, including:

• Missed or late payments: You may have fallen behind on a bill, loan, or credit agreement
• Defaulted account: The creditor may have marked your account as in default after repeated non-payment
• Outstanding balance transferred for collection: The original company may have passed your account to IMFS to handle communication and repayment
• Unrecognised or old debts: Sometimes debts are sold or reassigned, which can lead to contact from a company you do not recognise

In most cases, IMFS is not the original lender or service provider. Instead, they are acting on instructions from the company you originally owed.

If you are unsure why they are contacting you, you should ask for full details of the debt, including the original creditor, the amount owed, and when the debt was incurred, before taking any action.  

How IMFS Collects Debt in 2026: Debt Recovery Process

IMFS Debt Recovery, operating under Integrated Contact Solutions Limited, follows a structured and regulated process when attempting to recover outstanding debts. The general steps are as follows:

1. Initial Contact: The process usually begins with an initial contact, which may be a letter, email, SMS, or phone call. This communication will outline key details such as the amount owed, the original creditor, and how you can respond or make payment.
2. Verification of the Debt: Before proceeding, you have the right to verify the debt. IMFS should be able to provide details about the account, including who the original creditor is and when the debt was incurred.
3. Follow-Up Contact: If there is no response to the initial contact, IMFS may continue to follow up using calls, letters, or messages. These reminders are intended to prompt engagement and move the account toward resolution.
4. Arranging Payment: If the debt is valid, IMFS will usually offer options to settle it. This may include paying the balance in full or setting up a repayment plan based on your financial situation. They may work with you to agree on an affordable arrangement.
5. Escalation (If Debt Remains Unpaid): If the debt remains unresolved, the case may be escalated. This can involve further internal review or being referred back to the original creditor for additional action.

 

Do You Really Owe the Money?

Before making any payment to IMFS, it is essential to confirm whether the debt is genuinely yours and legally enforceable. Just because Integrated Contact Solutions Limited has contacted you does not automatically mean you are liable to pay.

Mistakes, outdated records, or identity issues can sometimes lead to incorrect contact. 

How to Check

Start by reviewing your own records:

• Check past bills, agreements, or credit accounts
• Look at your bank statements for any related payments
• Review your credit report for listed debts

Make sure the name, address, and account details match your situation. 

Requesting Proof (Prove It Letter)

If you are unsure about the debt, you should send a “prove it” letter. This is a formal request asking IMFS to provide evidence that:

• The debt exists
• The debt belongs to you
• They have the authority to collect it

You are not required to make any payments until adequate proof is provided. 

Documents They Must Provide

To validate the debt, IMFS should be able to supply:

• The name of the original creditor
• The original agreement or contract
• A breakdown of the amount owed (including any interest or fees)
• The date the debt was incurred
• Evidence linking the debt to you

If they cannot provide this information, you should proceed with caution. 

Is the Debt Statute Barred?

In the UK, some debts become unenforceable after a certain period under the Limitation Act 1980. A debt is typically considered statute barred if:

• No payment has been made for 6 years (5 years in Scotland)
• You have not acknowledged the debt in writing during that time
• No court action (such as a CCJ) has been taken against you

What Happens If a Debt Is Statute Barred?

If a debt is statute barred:

• It is no longer legally enforceable in court
• You cannot be forced to pay it through legal action
• However, the debt may still exist in principle, and collectors may still contact you

You should not make a payment or acknowledge the debt without confirming its status, as this could restart the limitation period. 

Why Is Verification of Debt Important?

Verifying a debt protects you from:

• Paying money you do not owe
• Being pursued for incorrect or duplicated accounts
• Resetting the limitation period on old debts
• Potential scams or fraudulent contact

Taking the time to confirm the details ensures you only act on accurate and legally valid information.

Do You Have to Pay IMFS Debt Recovery?

Whether you need to pay IMFS Debt Recovery depends entirely on the validity, ownership, and legal status of the debt. Not all debts they contact you about are automatically enforceable, so it is important to assess your situation carefully before taking any action.

1. If the Debt Is Valid:

If IMFS can prove that the debt is legally yours, you are obligated to pay. The original creditor has a legitimate claim, and IMFS is acting on their behalf to recover the outstanding balance. You can either pay the full amount immediately or negotiate a repayment plan that fits your financial situation. 

Taking timely action can help you avoid additional interest, fees, or potential court action, while allowing you to resolve the debt responsibly.

2. If the Debt Is Statute Barred:

A debt is considered statute barred when it has passed the legal limitation period, usually six years in England, Wales, and Northern Ireland, or five years in Scotland. In this case, you are not legally required to pay IMFS or the original creditor. 

Although they may still request payment, they cannot enforce it through the courts. It is important not to acknowledge the debt in writing or make partial payments, as this could restart the limitation period and make the debt enforceable again.

3. If They Cannot Prove the Debt:

If IMFS is unable to provide sufficient evidence that the debt is yours, you are under no obligation to pay. You should request a formal “prove it” letter, which asks for documentation of the original creditor, the agreement, and a breakdown of the amount owed. 

Without proper proof, any demand for payment is not legally enforceable, allowing you to dispute the claim safely.

4. If the Debt Is Not Yours:

If the debt does not belong to you, due to fraud, administrative errors, or identity confusion, you are not required to pay. 

In such cases, respond promptly by disputing the debt in writing and providing evidence that the account is not yours. Keeping a detailed record of all communication is essential, and in instances of suspected fraud, reporting the matter to the relevant authorities can protect your credit record and financial reputation.

By carefully assessing the validity and status of the debt, you can determine whether you are legally obliged to pay IMFS Debt Recovery, and take informed steps to protect yourself. 

What IMFS Debt Collectors Can and Cannot Do When Collecting Debts in the UK?

Debt collection agencies in the UK, including IMFS, must follow strict rules set by the Financial Conduct Authority (FCA). Here’s an overview of the most important things they can and cannot do:

What IMFS Can Do	What IMFS Cannot Do
Contact you by phone, letter, email, or SMS to discuss the debt	Enter your home without permission
Request repayment of a valid debt on behalf of a creditor	Seize your belongings or assets without a court order
Provide details of the original creditor and the amount owed	Force immediate payment on the spot
Offer repayment plans or negotiate settlements	Threaten you with false legal action
Send reminders or follow-up communications	Misrepresent themselves as bailiffs or court officials
Respond to disputes and provide evidence of the debt	Harass you repeatedly or outside regulated hours
Escalate the case to the creditor or legal channels if unresolved	Contact third parties to shame or pressure you without consent

As you can see, while IMFS has the authority to contact and negotiate with you about legitimate debts, they cannot enforce payment through illegal means or take actions reserved for certified enforcement agents. 

What Happens If You Ignore IMFS?

Ignoring IMFS Debt Recovery can have different consequences depending on the status of the debt and how the situation develops. Here’s a detailed breakdown: 

• Short-Term Consequences: If you ignore IMFS initially, you may experience continued contact attempts, such as phone calls, letters, emails, or SMS reminders. These are usually intended to prompt repayment. In some cases, persistent contact can feel stressful, but it does not automatically mean legal action will be taken immediately. 

• Long-Term Consequences: Over time, ignoring a valid debt may escalate the situation. IMFS may report the debt to the original creditor or pass the case to another collection agency. Continuous non-payment can increase the overall debt if interest or late fees apply, and it may make negotiating a repayment plan more difficult later. 

• Credit File Impact: Non-payment or unresolved debts can negatively affect your credit file. IMFS may report the debt to UK credit reference agencies, which can lower your credit score. A poor credit rating can make it harder to obtain loans, credit cards, mortgages, or even rental agreements in the future. 

• Court Action Possibility: While IMFS itself cannot take legal action, the original creditor may escalate the matter to the courts if the debt remains unpaid. This could result in a County Court Judgment (CCJ), which has serious legal and financial implications, including enforcement measures that can affect your assets or income. 

Is Ignoring Ever a Good Idea?

Ignoring IMFS is rarely a recommended strategy. While it may be appropriate in some cases, such as when the debt is statute barred, disputed, or not yours, it generally increases risk if the debt is valid. The safest approach is to assess the debt, verify its validity, and communicate with IMFS or the original creditor to resolve the matter responsibly, either through payment, negotiation, or formal dispute. 

 

How to Stop IMFS Debt Agents Contacting Me

If you want to stop IMFS Debt Recovery from repeatedly contacting you, there are formal steps you can take to protect yourself while remaining within your legal rights. 

1. Dispute Letter

If you believe the debt is incorrect, invalid, or not yours, start by sending a dispute letter. This should:

• Clearly state that you dispute the debt
• Request proof of the debt (original creditor, account details, and balance)
• Ask them to cease contact until they provide verification

Keep a copy of the letter for your records. This establishes a formal record that you are challenging the debt. 

2. Cease and Desist Letter

If you want all communication from IMFS to stop, you can send a cease and desist letter. This instructs the agency to:

• Stop calling, emailing, or sending letters
• Only contact you in writing, if necessary
• Respect the guidelines under the FCA and data protection laws

Note: Sending a cease and desist letter does not erase the debt. It only restricts how the collector can contact you. 

3. Harassment Complaints

If you feel harassed or threatened:

1. Complain to IMFS Head Office first – explain the nature of the harassment, including times, dates, and communication details. Ask for the behavior to stop.
2. Escalate to the Financial Ombudsman Service (FOS) – if IMFS does not resolve your complaint, you can take the issue to the FOS. They provide independent dispute resolution for consumers and can investigate the complaint thoroughly. While the FOS is the primary route, you can also notify the Financial Conduct Authority (FCA), which regulates debt collectors and can take action if rules are being breached.

Following these steps ensures that you are protected from aggressive or illegal debt collection tactics while maintaining control of the situation. 

How to Set Up a Payment Plan

If you have a valid debt with IMFS Debt Recovery but cannot pay it in full, setting up a payment plan can help you manage the debt responsibly while avoiding escalation. 

Follow these steps: 

1. Review Your Finances: Before contacting IMFS, take a close look at your income, expenses, and existing financial commitments. Calculate how much you can realistically afford to pay each month without causing further financial strain. This will help you propose a repayment plan that is sustainable.
2. Contact IMFS Early: Reach out to IMFS as soon as possible. Early communication shows that you are willing to cooperate and reduces the risk of the debt being escalated to legal action. Being proactive can also make them more willing to negotiate a reasonable repayment schedule.
3. Propose a Realistic Repayment Schedule: When discussing a plan with IMFS, suggest a repayment schedule that fits your financial situation. Be honest about what you can afford. Overcommitting may lead to missed payments and further complications. IMFS may offer flexibility depending on your circumstances. 
4. Get the Agreement in Writing: Once you and IMFS agree on a repayment plan, get the agreement in writing. This protects you and ensures that both parties are clear on the payment amounts, dates, and any conditions. A written record also prevents misunderstandings or disputes in the future. 
5. Stick to the Plan: Once the plan is in place, it is important to stick to the agreed schedule. Making consistent payments will prevent additional fees or escalation, help repair your credit over time, and resolve the debt efficiently. If you encounter difficulties, contact IMFS immediately to discuss adjustments rather than missing payments. 

What Should I Do If My Debts With IMFS Are Huge And I Cannot Afford To Settle Them?

Sometimes, it may be difficult to agree on a payment plan with your creditor or IMFS debt collection agency, particularly if the payments are financially overwhelming.

In such cases, you might want to explore potential debt solutions in the UK. There are several options available in the UK, each with its own eligibility criteria. Choosing the right option can help resolve your debt issues, but the wrong one may make your financial situation worse.

However, it is essential to seek professional advice before committing to any debt solution. A debt advisor can help you assess your situation and guide you in selecting the most appropriate option.

Some of The Key Debt Solutions Available in England, Northern Ireland, and Wales:

• Debt Management Plan (DMP): An informal arrangement where you make monthly payments toward your debts. There is no legal commitment, but your creditors may agree to reduce interest or freeze fees.
• Individual Voluntary Arrangement (IVA): A formal agreement where you make regular payments to creditors over 5 or 6 years. The remaining debt may be written off, but this solution has strict criteria.
• Debt Relief Order (DRO): Designed for individuals in severe financial distress, this option freezes interest and allows a year of no payments, potentially leading to debt resolution.
• Bankruptcy:  A formal legal process that can clear most debts if you are unable to repay them. Bankruptcy provides a financial reset, but it also has serious long-term consequences, including restrictions on your financial affairs and potential asset loss. 

Debt Solutions Available in Scotland

1. Protected Trust Deed: A formal agreement to repay part of what you owe over four years. The remaining debt may be written off afterward. It is legally binding and affects your credit rating. 
2. Debt Arrangement Scheme (DAS): A government-backed scheme allowing you to repay your debts through a Debt Payment Programme (DPP) based on what you can afford. Interest and charges could be frozen, and creditors can’t take legal action. 
3. Sequestration (Scottish Bankruptcy): A formal insolvency process where most debts may be written off, but assets may be sold to repay creditors. It offers a fresh start but comes with serious consequences. 
4. Minimal Asset Process (MAP): A simplified form of bankruptcy designed for individuals with low income and few assets. It allows eligible debts to be written off after six months, provided the individual fully cooperates with the process. However, in practice, the process may take longer depending on the complexity of the case. MAP also offers lower fees and reduced administrative burden compared to full bankruptcy.

Caution: These debt solutions have both advantages and drawbacks, so it’s important to carefully weigh your options before making a decision.

Furthermore, if you are unsure which debt solution suits your situation, speak to a professional debt advisor. Free, independent advice services like MoneyHelper can help you assess your finances and find the best option for you. 

What Should I Do if IMFS Debt Recovery Contacts Me?

Being contacted by IMFS Debt Recovery can feel stressful, but knowing the right steps can help you handle the situation calmly and protect your rights. Here’s what you should do:

1. Stay Calm: Receiving calls, letters, or emails from IMFS can be stressful, but it’s important to remain composed. Remember, they cannot take your property or force payment without a court order.
2. Verify the Debt: Before making any payment, confirm that the debt is valid and actually yours. You can request a formal “prove it” letter asking IMFS to provide the original creditor’s details, the debt agreement, and a full breakdown of the amount owed.
3. Keep Records: Maintain a written record of all communications, including calls, letters, emails, and texts. Note dates, times, the agent’s name, and what was discussed to protect yourself in case of disputes or complaints.
4. Decide How to Respond: Depending on the situation, choose an appropriate response: arrange a payment plan if the debt is valid, send a dispute or cease-and-desist letter if it is disputed or statute barred, or clearly dispute the debt in writing if it is not yours.
5. Know Your Rights: IMFS must follow FCA rules and UK debt collection regulations. They cannot harass, threaten, or mislead you. If your rights are being violated, escalate complaints to the Financial Ombudsman Service (FOS) or the FCA.
6. Seek Professional Advice: If you are unsure how to handle the debt, contact a free debt advice service such as MoneyHelper. They can help you understand your options and decide the best course of action.

Taking these steps ensures that you respond responsibly, protect your rights, and avoid unnecessary stress or financial mistakes when dealing with IMFS Debt Recovery. 

How Do I Contact IMFS Debt Recovery?

You can contact IMFS Debt Recovery through phone, email, postal mail, or their online portal. Below are the most commonly used methods: 

 

Contact Method	Details
Phone Numbers	0113 350 8520 – Primary inbound/outbound contact line 0113 350 6620 – Outbound debt follow-up 0113 511 2820 – Outbound account queries Note: IMFS may use other 0113 numbers; genuine agents will always provide your customer reference, original creditor, and amount owed. If they cannot, end the call and report to Action Fraud (0300 123 2040).
Website / Online Portal	www.imfs.co.com https://www.icontactsolutions.co.uk/ Login to view your balance or set up a payment plan.
Postal Address	Integrated Contact Solutions Ltd (IMFS Trading Style) 4100 Park Approach, Thorpe Park, Leeds, West Yorkshire, England, LS15 8GB
Opening Hours	Monday – Friday: 8:00am – 8:00pm Saturday: 8:00am – 4:00pm Sunday: Closed

 

Final Thoughts

Dealing with IMFS Debt Recovery doesn’t have to be overwhelming. By understanding who they are, verifying the debt, and knowing your rights, you can respond confidently and responsibly. Not every debt they contact you about is automatically enforceable, so it’s essential to check the details, request proof if needed, and consider repayment options that fit your finances. 

Remember, you have tools to protect yourself from harassment and unfair practices, including formal disputes, complaints to the Financial Ombudsman Service, and professional debt advice. Staying informed and proactive ensures you maintain control over the situation while avoiding unnecessary stress or financial risk.

Where Can You Get Debt Help in the UK? 

If you’re struggling with debt, it’s important to get reliable, independent advice before making any decisions. In the UK, there are several services that can help you understand your options and find a solution that works for your situation. 

Among them, at Debt Advisory Services, we provide expert guidance and practical resources to help you explore all the debt solutions available in the UK and take control of your finances. 

Here’s why you can trust us for debt help:

• Expert Support: Our advisors review your financial situation carefully and guide you through options like Debt Management Plans (DMPs), Debt Relief Orders (DROs), IVAs, or other solutions, helping you find the most suitable approach.
• Comprehensive Resources: Learn about each debt solution, including eligibility, benefits, potential drawbacks, and how it may affect your credit record, so you can make informed decisions.
• Honesty and Integrity: We provide clear, ethical, and transparent advice. From assessing your debts to recommending the right solution, we support you every step of the way. 

Take the first step toward financial relief. Fill out the form below to speak with a qualified advisor and find the right debt solution for your situation today! 

Find The Right Help For Your Situation

[Important Note: For additional independent guidance, you can also access free resources from MoneyHelper, the UK’s official platform for managing debt and finances.]  

Additional Resources to Read:

• https://www.gov.uk/government/publications/debt-respite-scheme-breathing-space-guidance/debt-respite-scheme-breathing-space-guidance-for-creditors
• https://www.gov.uk/county-court-judgments-ccj-for-debt
• https://www.gov.uk/government/consultations/taking-control-of-goods-regulations-consultation/taking-control-of-goods-regulations-consultation  

Key Takeaways 

• IMFS Debt Recovery is a legitimate UK debt collection agency operating under Integrated Contact Solutions Limited.
• IMFS is not a bailiff and has no legal power to enter your home or seize belongings.
• They act on behalf of original creditors to recover unpaid debts and may offer repayment plans.
• You should always verify whether the debt is valid before making any payments.
• Sending a formal “prove it” letter helps ensure IMFS provides evidence of the debt and original creditor.
• Statute-barred debts cannot be enforced in court, so you are not legally required to pay them.
• Ignoring valid debts can lead to escalation, credit file impact, or court action by the original creditor.
• You can protect yourself from harassment by sending dispute or cease-and-desist letters and escalating complaints to the FOS.
• Setting up a realistic payment plan in writing helps manage debt responsibly and avoids additional fees or legal issues.
• Professional debt advice services, like MoneyHelper, can guide you through repayment, dispute, or formal debt solutions.

FAQs

Who is calling from 01133508520?

This is the primary outbound number used by IMFS Debt Recovery (Integrated Contact Solutions Ltd), a Leeds-based debt collection agency regulated by the FCA. They are calling to discuss an outstanding debt on behalf of an original creditor.

Who is calling from 01133506620?

This is a secondary outbound number linked to IMFS Debt Recovery. It is typically used for follow-up contact when their primary number has gone unanswered.

Who is calling from 01135112820?

This number is also associated with IMFS Debt Recovery and has been reported by debtors receiving account-related contact. It is one of several numbers IMFS rotate through when attempting to reach individuals.

What evidence do I need to gather to prove financial hardship to IMFS?

To prove financial hardship to IMFS, gather evidence such as proof of income loss (e.g., termination letters, unemployment statements), recent bank statements, household expense documentation, and any relevant hardship details like medical emergencies. Providing clear documentation of your financial situation can help you negotiate debt relief options with IMFS.