December 2, 2023

RCI Debt Collectors: Dealing with Debt Collection Agencies

Debt collection agencies can be intimidating and overwhelming, especially when you’re already struggling with debt. One such agency is RCI Debt Collectors. If you’ve received a phone call or letter from them, it’s important to understand your rights and options. In this article, we’ll take a closer look at RCI Debt Collectors and how to deal with them.

Who are RCI Debt Collectors?

RCI Debt Collectors is a UK-based debt collection agency that works on behalf of creditors to recover outstanding debts. They handle a wide range of debts, including credit cards, store cards, personal loans, and utility bills. RCI Debt Collectors is regulated by the Financial Conduct Authority (FCA) and is a member of the Credit Services Association (CSA).

What to do if you receive a letter or phone call from RCI Debt Collectors

If you receive a letter or phone call from RCI Debt Collectors, the first thing to do is to verify the debt. Ask for a copy of the original credit agreement, as well as a breakdown of the debt and any interest and charges that have been added. This will help you to understand the debt and whether it’s correct.


If you dispute the debt, you should inform RCI Debt Collectors in writing. They will then have to provide evidence to support their claim. If you’re unable to pay the debt in full, you can negotiate a payment plan with RCI Debt Collectors. This can help to make the debt more manageable and prevent further action being taken against you.

What are your rights when dealing with RCI Debt Collectors?

When dealing with RCI Debt Collectors, it’s important to understand your rights. Under the Consumer Credit Act, debt collection agencies must follow certain rules and regulations. For example, they must not harass or bully you, and they must not visit your home without your permission. They also cannot add excessive charges or interest to the debt.

If RCI Debt Collectors are not following these rules, you should make a complaint to them in writing. If they do not respond satisfactorily, you can escalate the complaint to the Financial Ombudsman Service.

How to deal with RCI Debt Collectors if you’re struggling with debt

If you’re struggling with debt and are unable to pay what you owe, it’s important to seek help as soon as possible. There are a number of organisations that can offer free and impartial advice, including:

  • StepChange Debt Charity
  • Citizens Advice
  • National Debtline

These organisations can help you to understand your options and find a solution that works for you. This could include a Debt Management Plan, an Individual Voluntary Arrangement (IVA), or even bankruptcy.


Dealing with debt collection agencies can be stressful and overwhelming. However, it’s important to remember that you have rights and options. If you receive a letter or phone call from RCI Debt Collectors, verify the debt and seek advice if necessary. If you’re struggling with debt, don’t suffer in silence – seek help today.

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