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:
- If you ignore them, they could apply for a CCJ
- If you don’t pay the CCJ, enforcement can follow
- 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) - Possible write-off of qualifying debt after completion with one affordable monthly payment. Legal protection from all creditors. Check if you qualify.
Debt Relief Order - A formal option where qualifying debts may be written off after the DRO period if you meet the criteria.
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.
Compare your debt options. Use our free IVA calculator to see your options.
Sources checked
- FCA debt collection information for fair treatment expectations.
- FCA Register for checking regulated consumer credit firms.
- Companies House for company identity checks.
- MoneyHelper debt guidance for free debt advice signposting.
- GOV.UK options for dealing with your debts for debt solution context.
Before you agree to pay
If Storm UK Ltd has contacted you
Check the account
Match the reference, balance, original creditor and address history before making a payment. Ask for evidence in writing if you do not recognise the debt.
Keep priority bills first
Rent, mortgage, council tax, energy, food and essential travel should be protected before non-priority debt collector payments.
Watch for court wording
A letter of claim or county court claim needs a faster response than a routine collection letter. Do not ignore formal court papers.
What debt collectors can and cannot do
They can
- Contact you about a debt they own or collect.
- Ask you to confirm details before discussing the account.
- Accept, reject or review a payment proposal.
- Escalate to a solicitor or court route if the debt is enforceable.
They cannot
- Pretend to be bailiffs or enforcement agents.
- Force entry into your home or take goods.
- Mislead you about legal powers or deadlines.
- Discuss your debt with other people without a proper basis.