Credit Style provides end-to-end debt resolution services to enable you to focus on your business priorities. We maximise recovery speed to shorten time-consuming yet essential credit control processes across your business and reduce consumer debt, improving cash flow management.

We believe future success starts with ‘Preparing the Ground’. We immerse ourselves in the delinquency challenges faced by your business and work collaboratively to drive efficiencies, reduce complexity, maximise customer engagement, and create optimal resolution strategies driven by actionable data insights, behavioural science, and propensity-to-pay modelling. Put quite simply, we connect better to collect better.

As trusted intermediaries between our clients and their customers, Credit Style continues to lead the way in successful debt resolution with genuine end-to-end services for large companies and SMEs. With a recognised track record in pre- and post-enforcement, we have the expertise and the systems to manage bulk referrals, whether business debt or consumer debt.

We recognise that service excellence, driven by credit management professionals who understand debt segments in-depth, sophisticated real-time case management, and a positive, can-do performance culture ultimately delivers optimised results, builds trusted business relationships, and increases client satisfaction. 

Our flexible processes and acclaimed client portal ensure complete clarity and confidence throughout the debt resolution journey, while our innovative approach to resolution ensures swift collection for clients while minimising charges to their customers.

At Credit Style, we balance firm boundaries and defined consequences with clear communication and compassionate approaches to support our clients' customers in finding sustainable solutions to their debts. Our experienced credit management professionals and collection agents have been trained to deliver positive customer outcomes in a compliant manner, which exceeds client expectations on every occasion.

Field Services are an effective pre-litigation option after office-based telephone collection activities have ceased and payment remains outstanding. Credit Style has an established and proactive solution to recover business debt in the field, which leans on our expert mediation and negotiation skills to secure outstanding payments or set up payment plans during in-person visits to the customer premises.

Our agents gather extremely valuable in-person knowledge of the customer that brings clarity to their ability, or inability, to pay the funds owed. Adopting this mediatory approach ensures every conceivable settlement option has been explored before the commencement of any court action. We provide field visit reports confirming the outcome of each visit, providing current data on the case, which informs write-off policies and creates an evidential trail for future external and internal audits.

Field Services can be introduced at any point during the recovery of a business debt and can be tailored to meet each client’s specific requirements.

Credit Style has developed a specialist motor finance collection service featuring a series of niche, cost-effective solutions. Should a motor finance agreement become in arrears regardless of whether it is regulated or unregulated, more or less than one-third of the contract value has been settled, or it is a Hire Purchase or Personal Loan debt, then in-person mediation with your customer is highly effective in avoiding litigation and repossession through negotiating a settlement.

Our specialist agents conduct debt remediation field visits with care and absolute consideration for all customer circumstances. During these in-person visits, we gather extremely valuable knowledge of the customer, which brings clarity to their ability, or inability, to pay the funds owed.

After each field visit, we produce a comprehensive report confirming the agreement reached or, based on merit, the appropriate course of action should settlement not be achieved. Adopting this mediatory approach ensures every conceivable settlement option has been explored before the commencement of any enforcement action and the issuing of expensive Return of Goods Orders.

Put quite simply, we connect better to collect better.

All good processes need escalation points. Fresh communication from a third party often achieves the right level of attention and focus to resolve a situation. When customers refuse to cooperate, our in-house legal team – CST Law – can issue County Court proceedings and advise you on the most effective enforcement methods to obtain payment and recover your costs.

We offer an end-to-end enforcement process that achieves maximum impact while always focusing on seamless collection performance and exemplary client service. Our specialist litigation team also provide comprehensive defence management services to ensure all cases are managed to a full and final conclusion, irrespective of circumstances.

All money claims are processed via the Civil National Business Centre in Northampton to ensure the fastest method of issuing legal action is adopted, with a discount on court fees payable.

CST Law is a trading name of Credit Style Limited and is authorised and regulated by the Solicitors Regulation Authority (“SRA”) in the conduct of litigation conducted by CST Law. The SRA number is 639830. A list of Members / Directors / Principals / Consultants is available for inspection at the registered office.

You can find our list of charges here.

You can find our Legal Terms and Conditions here.