Restons Solicitors Limited is a firm of solicitors who specialise in providing debt recovery litigation services.

As a result of a change in the law in 2015, the type of work we undertake is no longer a “regulated activity” as defined by Article 39(f) of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001, commonly known as the “RAO”.

Prior to 2015, the RAO initially provided that “debt collection” was a regulated activity, hence Restons held an Interim Permission from the FCA and this was recorded on the relevant register maintained by the FCA.

However in 2015 the RAO was amended so that “debt collection” undertaken by solicitors was no longer an activity which is regulated by the FCA. The change was introduced by a statutory instrument - The Financial Services & Markets 2000 (Miscellaneous Provisions) Order 2015/853. The fact the register shows our Interim Permission has lapsed reflects the fact that we no longer require permission from the FCA. It does not mean that we are carrying out a regulated activity without authorisation from the FCA.

Restons Solicitors is an SRA-regulated law firm based in Warrington, specialising exclusively in debt recovery. We act on behalf of lenders, banks, utilities, and debt purchasers to recover unpaid debts on their behalf.

Yes. Restons Solicitors Limited is authorised and regulated by the Solicitors Regulation Authority (SRA No: 425555). We are incorporated in England and Wales (Company No: 05584055) and subject to the SRA's standards of conduct.

One of our clients — a lender, debt purchaser, or business client, has asked us to contact you about an outstanding debt. This means previous attempts to resolve the matter directly have not been successful, and our client has now appointed us to act on their behalf.

We would strongly encourage you to get in touch. If we do not hear from you, we may need to take further steps to recover the debt on our client's behalf, which could include court action. A county court judgement (CCJ) may affect your credit rating. Getting in touch early gives us the best chance of finding a solution that works for you.

Yes. We understand that paying a debt in one go is not always possible. Contact us and we will work with you to agree a payment arrangement that reflects your circumstances — one that is fair, realistic, and sustainable.

Restons is an Exempt Professional Firm under FCA guidelines, regulated instead by the Solicitors Regulation Authority (SRA No: 425555). This means we are subject to SRA conduct standards and the Legal Ombudsman and are not required to hold separate FCA authorisation for our debt recovery activities.

If you are unhappy with how we have handled your matter, please contact us directly in the first instance. If we are unable to resolve your complaint, you have the right to refer it to the Legal Ombudsman. As a regulated solicitor’s firm, we are accountable for the service we provide.