BW Legal – Debt Collection Agency

A Guide to BW Legal debt recovery in the UK.

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This Guide Includes

1. BW Legal – Debt Collection Agency

2. Who are BW Legal?

3. What can BW Legal do?

4. What should I do if BW Legal contact me?

5. How do I contact BW Legal?

6. How can Refresh Debt Advice help me stop BW Legal?

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BW Legal – Debt Collection Agency

Have you ever received a letter or had a phone call from BW Legal? If you have, it might be because you’ve missed payments to a creditor that you owe money to. If you’ve made late payments or missed payments altogether, check out our guide to BW Legal. We hope to provide you with useful advice to inform you on how Refresh Debt Services can help you.

Being in a tough financial position can be difficult for anyone, we can understand that you’re trying to make repayments to pay off any creditors that you owe money to. Finding the right solution isn’t always easy, we hope to change that. If you’re trying to make payments for things like pay day loans, credit cards and overdrafts, this could be challenging. Realising that the cost of living is only going upwards can create added pressure on your finances.

It’s useful to know that a debt recovery agency like BW Legal are not a bailiff or enforcement agency. They do not have the same rights that a bailiff/enforcement agent would have.

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Who are BW Legal?

BW Legal are the UK’s largest independent debt recovery law firm. The debt collection agency was founded in 2009.

The company is based in Leeds and has more than 250 members of staff.

BW Legal state that they are debt collection and litigation specialists who are “focused on delivering market leading recovery solutions in an ethical and fair manner.” They carry out collections across consumer debt sectors as well as traditional commercial debt. The debt collection agency is regulated by the Financial Conduct Authority (FCA).

Their platform includes call monitoring, bespoke reporting, an online portal and volume court claim issue.

Are you struggling with debt and need help with stopping BW Legal? Call our specialist advisors today on 0800 121 48 63 or complete the online form to request a call-back.

What can BW Legal do?

As a debt collection recovery company, BW Legal do not have any additional legal rights granted to them whilst chasing customers for any outstanding debt. The company is not able to take any additional action that the original creditor would not be able to take themselves when they’re chasing you for unpaid debt. This essentially means that BW Legal must follow the same rules and guidelines that the original creditor must also follow when recovering any remaining balances.

The staff at BW Legal will try to contact you via phone calls and letters sent through the post.

Our friendly money advisors here at Refresh Debt Services understand what it’s like when helping people deal with debt collection recovery agencies such as BW Legal. Making them understand your current financial situation including any personal circumstances isn’t always easy. The threatening phone calls and letters BW Legal make and send respectively only make the situation more stressful.

BW Legal are not able to provide you with any misleading information. This is in regards to their legal standing. If you have been given any incorrect advice from BW Legal, you must write and send a letter of complaint to their complaints department (see contact details below) as soon as possible. We also recommend that you notify the Financial Conduct Authority (FCA) about what has taken place. Remember to make a note of what happened, as well as including any dates and times.

Our specialist money advisors can assist you by looking at your personal and financial circumstances. We will help you find the right solution to meet your needs. Refresh is able to mediate and negotiate an affordable and sustainable repayment plan for you. We’re able to do this for debts that are now held with BW Legal, as well as any other debts that you may still have outstanding.

Contact our specialist advisors today by calling 0800 121 48 63 or complete the online form on this page to request a call-back.

What should I do if BW Legal contact me?

If you’ve defaulted on payments to creditors, at some point, debt collection recovery agencies like BW Legal will try to contact you. Knowing your rights and how to deal with BW Legal when they make contact can be very useful. Speak to an expert advisor at Refresh today to discuss what options and solutions are available to you. Alternatively, you can complete the form on this page and an advisor will be able to call you at your convenience.

It’s important that you ensure you’re keeping copies of any emails and letters BW Legal send your way. This is because these letters and emails will contain useful information about how much you owe on each account as well as reference numbers.

You will most likely be sent many automated letters from BW Legal. Debt collection agencies will use these automated letters to request that you call them and make arrangements for a repayment plan for any outstanding debt.

If your financial circumstances hinder you from reaching a suitable agreement, debt recovery companies like BW Legal could potentially offer you an out of court settlement to settle the debt. They will try and attempt to make things difficult for you with further threats of court action. However, this ultimately depends on the type of debts you have, and what the outstanding balance is for each account.

Remember that most of these standardised letters sent by BW Legal will be automated. A similar letter will also be sent to any customer that BW Legal are attempting to recover any outstanding debt from. The only minor differences will be creditor names and the balance owed.

Agreeing to a repayment plan with debt collection companies such as BW Legal can often be difficult. The friendly team at Refresh Debt Services are able to consider your financial and personal circumstances before explaining what options and wider financial solutions are available to you. Our expert advisors look at your affordability, ensuring that any repayment plan we arrange is suitable. The range of wider financial solutions available to you are based on your household income and expenditure figures. Ultimately helping you make an informed decision when you take the first steps to becoming debt free.

If you have ever been contacted by BW Legal or any other debt collection agency, contact Refresh today to speak to a specialist advisor on 0800 121 48 63 or complete the online form on this page to request a call-back. We provide free impartial advice and guidance.

How do I contact BW Legal?

You can contact BW Legal through a number of different ways.

If you want to contact BW Legal through the post, you can write to them at the following address: Enterprise House, 1 Apex View, Leeds, West Yorkshire, LS11 9BH

If you wish to speak to someone at BW Legal over the telephone, call 0113 487 0430

Here are BW Legal’s office opening times:
8:00am – 8:00pm, Monday to Thursday
8:00am – 7pm Friday
9:00am – 1pm Saturday
Closed – Sunday

Remember that any telephone calls you make are likely to be recorded.

You can visit BW Legal’s website at the following link:

If you need to send BW Legal an email, you can send them a message at the following email address:

How can Refresh Debt Advice help me stop BW Legal?

Our team of expert money advisors fully understand how stressful and worrying it can be when you’re contacted by a debt collection agency such as BW Legal.

If you’ve received letters, emails or phone calls from BW Legal, this can only make things more difficult when trying to make monthly repayments on time. Our friendly team will consider your financial and personal circumstances before advising on what solutions are available to help you become debt free.

If you need help with BW Legal or with any other outstanding debts, contact our specialist advisors today on 0800 121 48 63 or alternatively, complete the online form to request a call-back.

Reviews & Testimonials

I really appreciate the support I was given regarding debt advice. I was provided with the upmost respect and there was no judgement at all. As difficult as it was to go through my situation, the advisors made me feel comfortable and were able to support me to find a solution to better manage my debts. A huge thank you to Jay and Keeley.
IB Whittaker
I was in a really bad situation due to a sad divide between my family but when I came to Refresh Debt Services, my mind was almost at complete ease. Keith Brady in particular is a lovely advisor and does his utmost to not only help, but follow each step along the way with perfect understanding of each situation. Couldn't recommend this company enough.
Michelle D'Arcy
Keith was great! constantly asked if I had any questions, made sure I understood everything, didn't rush me when I was getting information. Totally professional but also put me at ease and we even had a little joke. The weight of the world has been lifted off my shoulders. 100% recommend them.
Craig Newkland
Very very good service and advice. People at Refresh are friendly, polite and knowledgeable. Would recommend to anyone.
Linda Harvey
From the day i started my DMP the team have been more than helpful and respectful. Over the Last years i have had know reason to contact Refresh as i never had any issues with my payments ect. In the last week as my DMP has come to an end i needed advice and support with being able to show proof my DMP had come to and end and i now owe nothing, but also a huge weight lifted from my shoulders. Brenna my account manager was soo helpful and understanding and took her time to chat to me and send me all the info i had asked for. These people are not judgmental or insensitive, just helpful people trying to help you get back on track!! Thank you
jean roaach
I found refresh very helpful when I was struggling with my debts. I received monthly statements and updates on what I was paying and when things changed and was only to happy to help with any problems I had all ways pleasant on the phone and understanding. Lucky enough I am debt free thanks to refresh would highly recommended them
Keith was so helpful! Made me feel very comfortable to talk to him about the help I needed. Would recommend anyone who is struggling to talk to him! Fantastic service! Couldn’t be more grateful of his time and help!
Keith was absolutely brilliant. I was a victim of a sophisticated Bitcoin scam which has been largely responsible for my present financial predicament and I feel embarrassed and ashamed that I allowed this to happen to me.As a result I was really scared as I began to think that everything was fraudulent including Debt Management agencies. Right from the start I felt safe and reassured with Keith. He not only knew his stuff but validated my feelings and perceptions, was not at all judgemental and his concern and empathy were genuine with marked social, psychological and emotional intelligence and sensitivity. For the first time since I realised I had been scammed I could sleep. I felt protected and I still do. He would make a very good psychiatrist.
From the moment I spoke to Keith he put me at ease. He professionally took me through the possible steps, answering any questions that I had and his empathy and reassurance was very appreciated. Once I came to a final decision on what I needed Keith again answered any other questions and quickly put the plan into action. Honestly I had spent so many days/nights worrying about the debts once I had finished talking to Keith I felt like a huge weight was lifted from My shoulders!! I can’t thank Keith enough for taking the time to listen and then implement the plan for me! 10/10
Zdenka Suchankova
Its a very friendly staff, just 5:45 I wait for next phone call and now its a5:50 and nobody call me. Something wrong?

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