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 several debts are unaffordable, an Individual Voluntary Arrangement (IVA) may stop direct collection for included qualifying debts once approved. Only remaining included qualifying debt is written off if the IVA completes, so compare every suitable alternative before choosing it.
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? An approved IVA should normally stop direct collection by this firm for a qualifying debt included in the arrangement, but the debt type, timing and any court or enforcement stage can affect the result.
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 at reasonable times, taking account of reasonable contact requests
- 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 County Court claim form, follow the service date and deadline in its response pack. If a valid claim is not answered in time, the claimant may request judgment in default.
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 qualifying regulated credit agreement—for example, some credit-card, loan or handset-finance agreements—you may be able to request a copy under sections 77–79 of the Consumer Credit Act. Ordinary mobile service contracts and many other debts are not covered; check the applicable section, fee and effect.
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.”
For a qualifying Consumer Credit Act request, the creditor normally has 12 working days after receiving the required request and fee to comply. While a relevant section 77-79 default continues, court enforcement can be restricted, but the debt is not erased and a compliant copy may later be supplied. The rule does not apply to every debt.
When is a debt statute-barred?
For many simple-contract debts the headline periods are six years in England and Wales and five years in Scotland, but the start date, debt type, payments, written acknowledgement, an existing judgment and the jurisdiction can change the result. Read the statute-barred debt guide and get advice before paying or relying on limitation.
If limitation has expired and no judgment exists, it may provide a defence to a court claim. A claim can still require a timely defence, so do not ignore court papers or assume the collector decides the legal position.
Warning: A payment or qualifying written acknowledgement before the limitation period expires can restart time for some England-and-Wales debts. The effect after expiry and the Scottish prescription rules differ, so take advice before responding.
Will Witt International accept a settlement? #
A settlement may be considered, but the creditor or legal owner decides and there is no reliable standard percentage. The outcome can depend on ownership of the account, its legal status, affordability evidence and the lump sum available.
Before paying, get written confirmation that the agreed amount is accepted as full and final settlement, that no remaining balance will be pursued or sold, and how the account will be reported to credit reference agencies. Do not use money needed for priority bills.
How to stop Witt International with an IVA #
An approved IVA can bind creditors for debts included in the arrangement, so direct collection by this firm should normally stop for an included qualifying debt. The approved terms, debt type and timing control the result; an IVA does not cover every debt or automatically undo every court or enforcement step.
There is no single statutory debt balance or monthly-payment figure that makes an IVA suitable. A licensed Insolvency Practitioner should compare sustainable income, essential spending, assets, creditor returns and alternatives such as a Debt Management Plan, Debt Relief Order or bankruptcy.
Do not ignore an existing Letter of Claim, court form or enforcement deadline while an IVA is only being considered. If several debts are unaffordable, use the IVA suitability check as a first step and get advice on the live deadline.
How to deal with Witt International calls #
You have rights:
Ask for a reasonable communication channel. Request post or email and explain any vulnerability or accessibility need. The firm must have regard to a reasonable request, but necessary and proportionate contact may continue. Keep a written record.
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.”
Check the legal position before making a token payment. A qualifying payment or written acknowledgement before time expires can restart limitation for some England-and-Wales debts. Once a claim is already barred, section 29(7) prevents a later acknowledgement or payment from reviving it; Scottish prescription differs. Get advice first.
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: https://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/contact
- Phone: 0800 111 6768
If you’re struggling with debt, use our debt-options calculator for an initial comparison; it cannot confirm eligibility or approval.
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. If the debt is included in an approved IVA, direct collection activity should stop once the arrangement is approved.
Will they accept a settlement? #
Use the settlement checks earlier in this guide: there is no standard discount, and any agreement should be confirmed in writing before payment.
How long can they chase me? #
For many simple-contract debts those are the headline periods, but the start date, debt type, payment or acknowledgement, judgment and jurisdiction can change the result. Get advice before relying on limitation.