Storm UK Ltd

Received a letter or call from Storm UK Ltd? This guide explains who they are, why they’re contacting you, your legal rights, and what to do next.

Who Are Storm UK Ltd?

Storm UK Ltd is a debt collection agency based in Warrington. They collect debts on behalf of other companies, either as agents or having purchased debts from original creditors.

Company Details:

• Company Number: 06590440
• Registered Address: The Gateway, 85-101 Sankey Street, Warrington, WA1 1SR
• FCA Status: Should be authorised by the Financial Conduct Authority

Important: Storm UK Ltd are debt collectors, NOT bailiffs. They have no legal power to enter your property or take your goods.

They may be contacting you because:

• A company has sold your debt to them
• They’re collecting on behalf of the original creditor
• Your account has been assigned to them for recovery

Contact Details

Storm UK Ltd

The Gateway 85-101 Sankey Street Warrington WA1 1SR

Company Number: 06590440

What Debts Do Storm UK Collect?

Storm UK typically collect:

• Credit card debts
• Personal loans and overdrafts
• Retail credit (store cards, catalogue accounts)
• Utility bills (gas, electric, water)
• Telecommunications arrears (mobile phones, broadband)
• Payday loans and other consumer credit

Your Legal Rights

Storm UK MUST:

• Tell you who the original creditor is
• Provide proof of the debt if you request it in writing
• Treat you fairly under FCA regulations
• Accept reasonable payment offers
• Give you adequate time to seek debt advice
• Respect requests for written-only communication
• Handle your personal data according to GDPR

Storm UK CANNOT:

• Pretend to be bailiffs or enforcement officers
• Threaten legal action they don’t intend to take
• Harass you with excessive calls or letters
• Contact you at unreasonable times
• Discuss your debt with third parties
• Add unreasonable charges
• Enter your property - they are NOT bailiffs
• Seize your belongings - they have no such powers

How to Respond to Storm UK

Step 1: Stay Calm

Receiving debt collection letters is stressful, but you have rights and options. This is not a court summons.

Step 2: Verify the Debt

Before paying anything:

• Request written proof - ask for the original credit agreement
• Check your records - do you recognise this debt?
• Verify the amount - ensure no incorrect charges have been added
• Check who owns the debt - Storm UK or the original creditor

They must respond to a written request for proof.

Step 3: Check If It’s Statute-Barred

A debt may be legally unenforceable if:

• 6 years have passed since your last payment or acknowledgment (5 years in Scotland)
• No CCJ has been obtained
• You haven’t acknowledged it in writing during that period

If statute-barred, inform Storm UK in writing. They can still ask for payment but cannot take you to court.

Step 4: Decide Your Response

If the debt is yours and you can pay:

• Negotiate a settlement - they may accept less than the full amount
• Set up an affordable payment plan
• Get any agreement in writing before paying

If you dispute the debt:

• Write explaining why you dispute it
• Request full documentation
• Don’t pay until the dispute is resolved

If you can’t afford to pay:

• Don’t ignore them - this leads to escalation
• Seek free debt advice
• Consider formal debt solutions (see below)

Can Storm UK Send Bailiffs?

Not directly. Storm UK are debt collectors without enforcement powers. However:

1. If you ignore them, they could apply for a CCJ
2. If you don’t pay the CCJ, enforcement can follow
3. Only then could bailiffs become involved

Acting early prevents this. Even if you can’t pay, communicating keeps more options available.

Making a Complaint About Storm UK

If Storm UK have treated you unfairly:

Step 1: Complain to Storm UK

Write to: Storm UK Ltd The Gateway 85-101 Sankey Street Warrington WA1 1SR

Include your reference number and specific details of your complaint.

Step 2: Escalate to the Financial Ombudsman

If not resolved within 8 weeks:

Financial Ombudsman Service

• Website: www.financial-ombudsman.org.uk
• Phone: 0800 023 4567
• Post: Exchange Tower, London, E14 9SR

Step 3: Report to the FCA

For serious regulatory breaches:

• FCA Consumer Helpline: 0800 111 6768

Struggling With Multiple Debts?

If Storm UK are chasing you, you may have other debts causing stress. Consider these formal solutions:

Individual Voluntary Arrangement (IVA) - Write off up to 70% of debt with one affordable monthly payment. Legal protection from all creditors. Check if you qualify.

Debt Relief Order - Complete debt write-off for those with low income and few assets.

Debt Management Plan - Reduce monthly payments to affordable levels across all debts.

Frequently Asked Questions

Are Storm UK legitimate?

Yes. They are a registered company (06590440). Always verify any debt collector before paying - check Companies House and the FCA register.

Can Storm UK affect my credit score?

The original debt will already be on your credit file. How any arrangement is reported depends on the terms agreed.

Should I pay Storm UK or the original creditor?

Check your paperwork. If the debt has been sold to Storm UK, they are now the creditor. If they’re collecting on behalf of someone else, clarify who should receive payment.

What if I don’t recognise this debt?

Request proof in writing before paying anything. You need:

• Original credit agreement
• Statement of account
• Confirmation of how they obtained the debt

Will they stop if I ignore them?

Unlikely. Ignoring usually leads to escalation. Better to communicate, even if you can’t pay immediately.

Can Storm UK visit my home?

As debt collectors, they may attempt a home visit to discuss the debt. However, they cannot enter without your permission or take any goods. You can refuse to let them in.

Take control of your debt. Use our free IVA calculator to see your options.