Witt International (trading name of Suzanne Witt International Ltd, Company 12722207) is a debt collection agency operating from Bath. They collect debts on behalf of creditors. Here’s what matters: Witt International 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 Witt International immediately and write off the remaining debt after 5-6 years.
Quick answers#
Can Witt International send bailiffs? No. They’re debt collectors, not bailiffs.
Are Witt International legitimate? Yes. Witt International is a trading name of Suzanne Witt International Ltd (Company 12722207), FCA-authorised and based in Bath.
Can an IVA stop Witt International? Yes. Once approved, they must stop contact.
Who are Witt International?#
Witt International is a trading name of Suzanne Witt International Ltd (Company 12722207), a debt collection company operating from Bath.
Company details:
- Registered name: Suzanne Witt International Ltd
- Company number: 12722207
- Trading name: Witt International
- Registered office: 104 Studio, 3 Edgar Buildings, George St, Bath, BA1 2FJ
- Phone: 0333 200 8038
- FCA authorised: Yes
Witt International 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 Witt International.
Why is Witt International contacting me?#
Witt International contacts you because they’re collecting a debt on behalf of another company. When your creditor can’t recover a debt directly, they hire Witt International to collect it.
This is why you might not recognise Witt International’s name:
You had a utility bill with British Gas. You fell behind on payments. British Gas tried to contact you for several months. British Gas then hired Witt International to collect the debt. A Witt International letter arrives, and you think “I don’t owe money to Witt International”—but you do owe money to British Gas, and Witt International is acting as their agent.
Who instructs Witt International:
- High street banks (credit cards, loans, overdrafts)
- Utility companies (gas, electricity, water)
- Telecoms providers (mobile phones, broadband)
- Catalogue and mail order companies
- Store cards
Check the original debt:
Every Witt International 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 Witt International send bailiffs?#
No. Witt International 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 Witt International CAN do:
- Send letters and emails
- Call you (between 8am and 9pm)
- Report the debt to credit reference agencies
- Take you to court (see below)
What Witt International 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
Can Witt International take me to court?#
Yes—they can take legal action if the debt remains unpaid.
While Witt International 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 Witt International 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, Witt International 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 Witt International to enforce through bailiffs
4. Enforcement after a CCJ
Once Witt International has a CCJ, they can apply for:
- Attachment of Earnings Order: Your employer deducts money from your wages
- Charging Order: Witt International 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?#
Before you pay Witt International 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 Witt International:
Suzanne Witt International Ltd
104 Studio, 3 Edgar Buildings
George St
Bath
BA1 2FJSay:
“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.”
Witt International 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. Witt International 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 Witt International accept a settlement?#
Yes—they typically accept settlements of 40-70% of the debt value.
Like most debt collectors, Witt International would rather receive a lump sum settlement than wait years for monthly payments or an IVA dividend.
How to negotiate a settlement:
- Don’t offer first. Let Witt International tell you what they want.
- Start lower. If they want 70%, offer 40-50%.
- Explain your circumstances. “I’ve been offered help from family, but they can only lend £X.”
- Get it in writing. Never pay until you have written confirmation that the settlement clears the debt in full.
- Pay via bank transfer and keep proof of payment.
How to stop Witt International with an IVA#
An Individual Voluntary Arrangement (IVA) is a legally binding agreement between you and all your creditors (including Witt International) 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 Witt International:
Once your IVA is approved, all creditors—including Witt International—must:
- Stop contacting you
- Stop legal action
- Freeze interest and charges
- Accept the monthly payment your Insolvency Practitioner distributes
What debts can be included?
All of the debts Witt International collects are unsecured, which means they’re includable in an IVA:
- Credit cards
- Personal loans
- Overdrafts
- Mobile phone contracts
- Catalogue debts
- Store cards
- Utility arrears
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 Witt International calls#
You have rights:
Request written communication only. You can tell Witt International (verbally or in writing) that you only want to be contacted by post. They must comply under FCA rules. This stops the calls.
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.”
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.
If you’re vulnerable, tell them. If you have mental health problems, serious illness, disability, or are in crisis, declare this. Witt International must follow FCA “Consumer Duty” rules and adjust their approach.
How to complain#
1. Complain directly
Write to:
Suzanne Witt International Ltd
104 Studio, 3 Edgar Buildings
George St
Bath
BA1 2FJPhone: 0333 200 8038
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:
- Website: www.financial-ombudsman.org.uk
- Phone: 0800 023 4567
3. Financial Conduct Authority
If Witt International has breached FCA rules:
- Website: www.fca.org.uk/consumers/report-firm
- Phone: 0800 111 6768
If you’re struggling with debt, use our free IVA calculator to see if you qualify.
Frequently Asked Questions#
Can Witt International send bailiffs?#
No. They’re debt collectors, not bailiffs.
Are Witt International legitimate?#
Yes. Witt International is a trading name of Suzanne Witt International Ltd (Company 12722207), FCA-authorised and based in Bath.
Will they take me to court?#
Yes, they can if you don’t pay or arrange a plan.
Can I stop them with an IVA?#
Yes. Check if you qualify
Will they accept a settlement?#
Yes. Typically 40-70% of the debt value. Get agreements in writing.
How long can they chase me?#
6 years in England/Wales, 5 years in Scotland.