MilcollectionsReviews 

Had Louise deal with and she was amazing went above and beyond to to help me through my problem. Louise was so kind and very understanding. Thank you for your support

Liah Rose is fantastic, she provided help and guidance in a sticky situation and assured me with answers to questions that relieved my anxiety. She really did go the extra mile.

A bill from BT had been credited back to us. However MIL collections still chase using incorrect business name and phone calls and texts. They do not reply to emails and definitely do not listen to what they have been told. Even when you send them evidence that this account has been credited they still chase.
They staff can not talk English and are very hard to understand. They are a shocking company to try and deal with. They really need to do staff training and learn to talk English

outstanding invoice purchased off bt for £40.00 which we do not owe , have emailed have sent proof have emailed BT

now i have decided to make a counter claim , may cost a little but i will make sure i get the charges all added as i dont owe BT or then a penny

This company should be struck off saying they purchased a debt from BT. Number 1 the only bt i had was tv. And if you didnt pay each month they switch it off. Then with the switch over to tnt it had to be cleared on the account for tnt to take it over. So how the hell can the debt be there something is not right and if you dont pay you cant use there service something stinks about buying a debt with out showing any evidence and putting £1300.00 on for telling me they brought it. I will now sue BT for thae hassle and stress

There was throughout a friendly, highly responsive and courteous handling of the sensitive issue of debt collection.
From the outset the focus was on resolving the issue fairly and equitably.
It was also helpful that one representative conducted the whole process of inquiry until the final resolution.
At no points there were any threats expressed

I am sharing my experience with MIL Collections Ltd to help others understand how to handle similar situations.

I was contacted by MIL Collections in 2025 regarding an alleged debt originally linked to Card Saver.

Prior to their involvement, I had never been provided with any signed contract or documentation confirming liability.

From the outset, I:
Disputed the alleged debt in writing
Requested a copy of any contract or agreement
Clearly stated that I did not acknowledge liability
Made no payments at any time

Despite this, I continued to receive default notices and correspondence asserting the debt.

There were also issues with:
Emails being sent from an “unmonitored inbox” without prior notice
Repeated correspondence despite the account being formally disputed
Inconsistent responses and failure to address key points

At one stage, I was informed that the account had been placed on hold while documentation was requested. This documentation was never provided.

Eventually, MIL Collections Ltd confirmed that the account had been returned to Card Saver. No evidence of liability was ever supplied.

In parallel, I had submitted a Subject Access Request to Card Saver (the original company). That request has still not been fulfilled to this day, meaning the data relied upon to pursue the alleged debt was never properly disclosed.

From my experience, there were:
Failures to provide evidence of the alleged debt
Continued pursuit despite formal dispute
Poor communication and record handling
Reliance on assertions rather than documentation
In defending myself, I focused on:
Keeping all communication in writing
Requiring strict proof of liability
Not making any payment or acknowledgment
Understanding applicable time limits under Scots law

Based on the timeline, the alleged debt is now extinguished in any event.

This is not legal advice — but if you are contacted by a debt collection agency, it is important to:
Verify whether the debt is actually yours
Request full documentation
Avoid acknowledging liability without proof
Be aware of time limits that may apply
I would also recommend keeping a full record of all correspondence and, where appropriate, raising concerns with relevant regulatory bodies.

“I was contacted by MIL Collections Ltd regarding a debt for IHQ Systems Limited (Company No. 09350336), which was dissolved in May 2022. I have no personal liability and have not signed a personal guarantee.

I am a vulnerable person, being registered blind and living with Multiple Sclerosis (MS). Despite informing them of my disability, they continued to pursue me, causing stress and impacting my health.

I have sent formal complaints and a Subject Access Request (SAR), but the matter has not been resolved. I would caution others about aggressive or inappropriate contact from this company, particularly for vulnerable individuals.”

Having an unpaid debit is never nice. But the service with MIL was excellent. Jordan especially was outstanding blending understanding and a true human approach to my situation made the process of paying it back almost a joy! Almost I still had to pay what I owed!!
Jordan worked with me to set a payment plan and followed up when he said he would. He is a credit to the business. Professional, understanding, kind and a true gentleman.

Highly recommended, professional and easy to work with

I had my identity stolen to set up an account with an energy company. This had not been paid. MIL collections were appointed by the energy company to recover the debt. They contacted me following their processes. I explained that I had never had any dealings with the company, and had not lived at that address. I was advised to contact Action Fraud, and after sending further proof of my identity, I have been advised that they accept I was not responsible for the debt.
I was assisted by Ryan Hobbs, Dylan Hill and Dan Brown who were all very helpful and polite.

Friendly, helpful team.
Professional service with results

⭐⭐⭐⭐⭐ A Truly Outstanding Long Term Collections Partner

Our experience with MIL Collections has been exceptional from day one. Their collection rates consistently outperform every other DCA we’ve worked with, and the results speak for themselves.

What truly sets MIL apart is their approach to onboarding. They took the time to fully understand our culture, our internal collections processes, and the unique needs of our customers. They then tailored their strategy to seamlessly align with our business, something we have never experienced at this level with other agencies.

We’ve always felt valued as a client. MIL ensured our accounts were prioritised, keeping us updated regularly so we could confidently incorporate progress into our cash forecasting. That level of communication and transparency gave us absolute peace of mind.

MIL has become a genuine long-term strategic collections partner, stepping in to recover debt even after our internal credit control teams had exhausted all efforts. Their ability to resolve customer concerns and outstanding balances in a single-call resolution is impressive and has strengthened our customer relationships rather than damaging them.

We highly recommend MIL Collections to any business looking for a reliable, results-driven, and customer-focused collections partner. They continue to exceed expectations and deliver value far beyond standard DCA performance.

I was very worried before contacting milcollections. I spoke with Ryan hobbs who was very reassuring and put me at ease. Between us we have come up with a plan and I am able to enjoy my Christmas. Thankyou

We are a small company and often get taken advantage of, by bigger players and invoices remain outstanding for long periods of time, which impacts our day-to-day operations. Thank goodness we found MIL collections. They understand the issues we we facing and took everything over for us, taking a huge burden off our shoulders. So far, they have been a pleasure to deal with and professional to work with. Thanks so much

I have worked with the team at MIL for a number of years on my cases. They are nice to deal with and to be frank, get the job done. If you have debt that needs recovering, they are the leaders in their game. Do not look anywhere else.

We have recently started using Mil Collections after speaking to Dave and also chatting to him at BEVA Congress. We have only just started working with Mil Collections so we are new into this working relationship, but we have received funds for every client we have sent to them so far, which is impressive, and we are looking forward to continuing this working relationship together.

very good , they keep you updated and have managed to collect for us.