Ardent Credit Services Ltd, operating under the name Debt & Revenue Services, is a recognized provider of debt recovery and credit management services. The company caters to both consumer and commercial sectors, offering tailored solutions aimed at efficient debt collection and financial management. Their services include debt recovery processes that help clients recover outstanding payments while maintaining compliance with regulations and industry standards. The target market for Ardent Credit Services encompasses businesses seeking professional assistance in managing their accounts receivable and consumers who have been contacted regarding outstanding debts. Through their user-friendly corporate area and customer self-service portals, the company facilitates a streamlined experience for clients and their customers alike. With a commitment to transparency and professionalism, Ardent Credit Services strives to deliver effective debt management solutions.
Ardent Credit Services Ltd, operating as Debt & Revenue Services, garners a mixed reception from consumers. Many reviewers praise the staff for their helpful, kind, and polite demeanor, highlighting exceptional customer service experiences with representatives like Ruby and Zillah.
Customers appreciate the understanding and accommodating approach taken by the team, which helps ease their concerns during stressful financial situations. However, a significant portion of reviews expresses frustration, with claims of harassment and accusations of unethical practices, labeling the company as a "scam" or "con-artist." Some individuals report issues with debts that were supposedly settled, leading to confusion and distress.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 4.0 | 100 | 100% | +0.1 | ● Low |
Monthly average rating from reviews written by people · latest review Jul 2025.
| Month | Average | Reviews |
|---|---|---|
| Oct 24 | 4.9 | 12 |
| Nov 24 | 2.8 | 9 |
| Dec 24 | 3.4 | 5 |
| Jan 25 | 4.4 | 14 |
| Feb 25 | 3.7 | 6 |
| Mar 25 | 3.9 | 15 |
| Apr 25 | 4.2 | 11 |
| May 25 | 4.5 | 10 |
| Jun 25 | 3.8 | 17 |
| Jul 25 | 5.0 | 1 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 100 most recent reviews.
“An insurance company sent my details in error”
“This so called Debt Collection Company ' are nothing but an absolute joke but sadly not very funny, rather like the p...”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Business Services.
| Company | Overall | Legit | Service | Trend | Reviews |
|---|---|---|---|---|---|
 | 4.0 out of 5 (good) | 100 out of 100 | 4.8 out of 5 (good) | −1% | 100 |
| 3.3 out of 5 (fair) | 100 out of 100 | 1.4 out of 5 (poor) | — | 1,000 | |
| 4.0 out of 5 (good) | 100 out of 100 | 4.6 out of 5 (good) | — | 1,000 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.9 out of 5 (good) | — | 1,000 | |
| 2.5 out of 5 (poor) | 100 out of 100 | 2.7 out of 5 (poor) | +111% | 1,000 |
Bottom line: Ardent Credit Services Ltd t/a Debt & Revenue Services is #2 of 5 on overall rating in this group.
100 reviews of Ardent Credit Services Ltd t/a Debt & Revenue Services. Filter by what matters to you.
Over a year ago
An insurance company sent my details in error. I phoned Ardent and the customer service was brilliant. I don't recall the woman's name I dealt with, but she was brilliant. She was kind, polite and kno... See more
Over a year ago
Agreed with an Ardent service advisor, settlement figure for a minor ebay debt back on 25/09/2023 (paid in full on this day). I have been informed today - 23rd June 2025, that Ardent credit did not up... See more
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An insurance company sent my details in error. I phoned Ardent and the customer service was brilliant. I don't recall the woman's name I dealt with, but she was brilliant. She was kind, polite and knowledgeable. She sent my details back to the Insurance company. She really helped me and I'm very grateful for the great service she provided.
This so called Debt Collection Company ' are nothing but an absolute joke but sadly not very funny, rather like the practices they use to try to get money that IS NOT OWED out of people who actually do pay their bills. Guess what this set of morons are now doing? Sending silly letters threatening something on the lines of bailiffs!!! Bring it on guys because you're dealing with a retired Step Change Debt Counsellor and I know just how to deal with real bailiffs so I'm keeping my dog hungry and she likes a nice ankle bone to nibble on but they're not normally still attached to a living being. I've rung you 3 times and tried to explain to the idiots you have answering your phones THAT I PAID THE KLARNA BILL September 2024. Klarna have actually refunded me some money around 2 months ago so as I've always said I PAID THAT BILL IN September 2024. DEBT CLEARED, GONE ETC ETC ...........ANY MORE STUPID LETTERS FROM YOU AND I'LL TAKE PROPER LEGAL ACTION BY A CCJ AND THATS REALLY GOING TO EAT INTO YOUR PROFITS SO BACK OFF.
Agreed with an Ardent service advisor, settlement figure for a minor ebay debt back on 25/09/2023 (paid in full on this day). I have been informed today - 23rd June 2025, that Ardent credit did not update their client or confirm to them that this debt had been settled in full!! Highly irregular practice & behaviour by a VAT registered LTD business. Phillips & Cohen Associates (UK), Ltd. Question for Nick Cherry: The Codes & standards compliance advertised via web page, and this is only a suggestion, perhaps training of the FOUR CORE VALUES may be of use going forward. Existing & potential Clients BEWARE - Recovery may lack transparency.....
Very good customer care.
I have just spoke to Zillah, from Ardent, who provided me with exceptional with customer service. Thank you so much Zillah, I was having such a difficult time with Company concerned communication. You made a very difficult situation very easy to resolve. Thank you Susan
Very nice Very helpful put me at ease good lady thanks for advice
Helen. This lady was very helpful and polite and professional in how she dealt with all of my issues in sorting out my account 10/10 Thank you
They are scammers don’t pay your debt
Very understanding and helped me set up my payment plan thankyou
Polite and helpful.
The most deplorable Company that I have ever encountered. Harrassing a vulnerable old lady for a relatively trivial amount of debt, for an ISP contract that was terminated due to failure to supply the service. The debt was strongly and justifiably disputed, yet both Ardent and the ISP (TalkTalk) failed to address a single point raised to defend the claim. Advised by phone in January 2025 that the claim was closed, it was resurrected in May 2025. Utterly shameful.
Very helpful and kind
straight to the point , efficient and kind , no complaints
Alex was so helpful on my call thank you for your help
I have spoken to other agents but seems none understood me . So this lady I just spoke to listened to my circumstances and was able to come to a perfect agreement with me which I am comfortable with
I got the real help I needed to sort out my issue great service
The phone was answered v promptly after the message (far too long). Your operator listened to my reasons for non-payment and asked sensible questions. Seems the only course is for me to contact "creditor" and try to resolve the situation directly.
The best people🥰
Ardent Credit Services Ltd, operating under the name Debt & Revenue Services, is a recognized provider of debt recovery and credit management services. The company caters to both consumer and commercial sectors, offering tailored solutions aimed at efficient debt collection and financial management. Their services include debt recovery processes that help clients recover outstanding payments while maintaining compliance with regulations and industry standards. The target market for Ardent Credit Services encompasses businesses seeking professional assistance in managing their accounts receivable and consumers who have been contacted regarding outstanding debts. Through their user-friendly corporate area and customer self-service portals, the company facilitates a streamlined experience for clients and their customers alike. With a commitment to transparency and professionalism, Ardent Credit Services strives to deliver effective debt management solutions.
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