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TDX Group: Your Rights & Options | 2026

·1598 words·8 mins

TDX Group Limited (Company 05059906) is a debt collection agency that’s part of Equifax, one of the world’s largest credit reference agencies. They collect debts on behalf of banks, credit card companies, and utilities. Here’s what matters: TDX Group are NOT bailiffs. They can’t enter your home or take your belongings.

If you owe £6,000+ across multiple debts, an Individual Voluntary Arrangement (IVA) can stop TDX Group immediately and write off the remaining debt after 5-6 years.

Quick answers
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Can TDX Group send bailiffs? No. They’re debt collectors, not bailiffs.

Are TDX Group legitimate? Yes. TDX Group Limited (Company 05059906) is part of Equifax and FCA-authorised.

Can an IVA stop TDX Group? Yes. Once approved, they must stop contact.

Who are TDX Group?
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TDX Group Limited (Company 05059906) is a debt collection company that’s part of Equifax, one of the world’s largest credit reference agencies. They collect debts on behalf of creditors.

Company details:

  • Registered office: 1 Angel Court, London, EC2R 7HJ
  • Company number: 05059906
  • Phone: 0115 953 1200
  • Parent company: Equifax

TDX Group works for creditors who can’t recover debts directly. When your bank, credit card company, or utility provider can’t recover payment, they pass the debt to TDX Group.

Why is TDX Group contacting me?
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TDX Group contacts you because they’re collecting a debt on behalf of another company. When your creditor can’t recover a debt directly, they hire TDX Group to collect it.

This is why you might not recognise TDX Group’s name:

You had a PayPal Credit account. You fell behind on payments. PayPal tried to contact you for several months. PayPal then hired TDX Group to collect the debt. A TDX Group letter arrives, and you think “I don’t owe money to TDX Group”—but you do owe money to PayPal, and TDX Group is acting as their agent.

Who instructs TDX Group:

  • High street banks (NatWest, Santander, credit cards, loans, overdrafts)
  • PayPal Credit
  • Utility companies (gas, electricity, water)
  • Telecoms providers (mobile phones, broadband)
  • Catalogue and mail order companies

Check the original debt:

Every TDX Group letter must state the “original creditor”—the company you originally owed money to. If you’ve never heard of that company, or if you believe the debt is wrong, you have the right to dispute it and request proof.

Can TDX Group send bailiffs?
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No. TDX Group are debt collectors, not bailiffs.

They have no legal power to enter your home or take your belongings unless they first obtain a County Court Judgment.

What TDX Group CAN do:

  • Send letters and emails
  • Call you (between 8am and 9pm)
  • Send field agents to knock on your door (but they can’t force entry)
  • Report the debt to credit reference agencies (they’re part of Equifax)
  • Take you to court (see below)

What TDX Group CANNOT do:

  • Force entry to your home
  • Enter without your permission
  • Take your belongings
  • Clamp your vehicle
  • Threaten you with immediate bailiff action
  • Claim they’ll “seize your goods” without a court order

If a TDX Group field agent visits:

  1. You don’t have to let them in. Speak through a closed door if you prefer.
  2. Ask for ID. They should show a TDX Group badge.
  3. Don’t sign anything on the doorstep.
  4. Don’t feel intimidated. They’re collectors, not bailiffs—they can’t take anything.
  5. If they’re aggressive or won’t leave, call the police.

Can TDX Group take me to court?
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Yes—they can take legal action if the debt remains unpaid.

While TDX Group can’t send bailiffs directly, they can pursue court action if you don’t pay or arrange a payment plan.

The legal escalation process:

1. Pre-Action Protocol (30-day warning)

Before TDX Group can issue a court claim, they must follow the Pre-Action Protocol for Debt Claims. They’ll send a formal “Letter of Claim” giving you 30 days to respond.

2. County Court claim

If you don’t respond or arrange payment, TDX Group will instruct solicitors to issue a County Court claim. You’ll receive court papers (form N1) at your address.

3. County Court Judgment (CCJ)

If you don’t defend the claim, the court will enter a judgment against you. This is a County Court Judgment (CCJ), which:

  • Stays on your credit file for 6 years
  • Makes it nearly impossible to get credit, mortgages, or phone contracts
  • Allows TDX Group to enforce through bailiffs

4. Enforcement after a CCJ

Once TDX Group has a CCJ, they can apply for:

  • Attachment of Earnings Order: Your employer deducts money from your wages
  • Charging Order: TDX Group secures the debt against your property (if you’re a homeowner)
  • Warrant of Control: The court issues a warrant allowing actual bailiffs to seize goods

Don’t ignore court papers. If you receive a “Claim Form” (form N1), you have 14 days to respond. Ignoring it guarantees a CCJ.

Is the debt really yours?
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Before you pay TDX Group anything, verify the debt is actually yours.

Request proof under the Consumer Credit Act 1974:

If the debt is a credit agreement (credit card, loan, mobile phone contract), you have the right to request a copy of the original agreement under Section 77 or 78.

Write to TDX Group:

TDX Group Limited
1 Angel Court
London
EC2R 7HJ

Say:

“I’m writing regarding account reference [your reference number]. Under Section 77/78 of the Consumer Credit Act 1974, I request a true copy of the executed credit agreement for this debt. I also request a full breakdown of how the current balance has been calculated. I don’t acknowledge this debt until I receive proof.”

TDX Group has 12 working days to respond. If they can’t provide a valid agreement, they can’t enforce the debt through the courts.

When is a debt statute-barred?

If you haven’t acknowledged a debt or made a payment in 6 years (England/Wales) or 5 years (Scotland), it might be statute-barred.

Statute-barred debts can’t be enforced through the courts. TDX Group can still ask you to pay, but they can’t take legal action.

Warning: If you make a payment (even £1) or acknowledge the debt in writing, the 6-year clock resets.

Will TDX Group accept a settlement?
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Yes—they typically accept settlements of 40-70% of the debt value.

Like most debt collectors, TDX Group would rather receive a lump sum settlement than wait years for monthly payments or an IVA dividend.

How to negotiate a settlement:

  1. Don’t offer first. Let TDX Group tell you what they want.
  2. Start lower. If they want 70%, offer 40-50%.
  3. Explain your circumstances. “I’ve been offered help from family, but they can only lend £X.”
  4. Get it in writing. Never pay until you have written confirmation that the settlement clears the debt in full.
  5. Pay via bank transfer and keep proof of payment.

How to stop TDX Group with an IVA
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An Individual Voluntary Arrangement (IVA) is a legally binding agreement between you and all your creditors (including TDX Group) to repay what you can afford over 5-6 years. At the end, any remaining debt is written off—typically 60-80%.

Why an IVA stops TDX Group:

Once your IVA is approved, all creditors—including TDX Group—must:

  • Stop contacting you
  • Stop all doorstep visits
  • Stop legal action
  • Freeze interest and charges
  • Accept the monthly payment your Insolvency Practitioner distributes

What debts can be included?

All of the debts TDX Group collects are unsecured, which means they’re includable in an IVA:

To qualify for an IVA, you typically need:

  • £6,000+ in unsecured debt
  • Two or more creditors
  • A regular income (employed or self-employed)
  • Spare income after essential bills (usually £80-100/month minimum)

Check if you qualify for an IVA

How to deal with TDX Group calls
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You have rights:

  1. Request written communication only. You can tell TDX Group (verbally or in writing) that you only want to be contacted by post. They must comply under FCA rules. This stops the calls and doorstep visits.

  2. Don’t admit the debt until you’ve verified it. If you don’t recognise the debt, say: “I need to see proof of this debt in writing before I can discuss it.”

  3. Don’t make a payment just to make them go away. Paying even £1 can restart the statute-barred clock if the debt is over 6 years old.

  4. If you’re vulnerable, tell them. If you have mental health problems, serious illness, disability, or are in crisis, declare this. TDX Group must follow FCA “Consumer Duty” rules and adjust their approach.

How to complain
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1. Complain directly

Write to:

TDX Group Limited
1 Angel Court
London
EC2R 7HJ

Phone: 0115 953 1200

Include your reference number, dates of the issue, what happened, and what you want.

They have 8 weeks to respond.

2. Financial Ombudsman Service

If they don’t respond or you’re not satisfied:

3. Financial Conduct Authority

If TDX Group has breached FCA rules:

If you’re struggling with debt, use our free IVA calculator to see if you qualify.

Frequently Asked Questions
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Can TDX Group send bailiffs?
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No. They’re debt collectors, not bailiffs.

Are TDX Group legitimate?
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Yes. TDX Group Limited (Company 05059906) is part of Equifax and FCA-authorised.

Will they take me to court?
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Yes, they can if you don’t pay or arrange a plan.

Can I stop them with an IVA?
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Yes. Check if you qualify

Will they accept a settlement?
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Yes. Typically 40-70% of the debt value. Get agreements in writing.

How long can they chase me?
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6 years in England/Wales, 5 years in Scotland.

Check if you qualify for an IVA

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