Do I have to reply to these guys or Can I comfortably ignore them?

Don't ignore it. DRS's own FAQ warns that ignoring their letters could lead to further action to recover the balance, and the account keeps ageing on your credit file in the meantime. Replying is not the same as agreeing you owe it: you can write to say the debt is disputed, ask which creditor it relates to, and ask for the balance breakdown before paying anything. Put it in writing via the my-drs.co.uk secure message form or complaints@ardentcredit.co.uk with your 7-9 digit reference so there's a dated record.

How do I cancel a DRS payment plan or stop the payments?

There's no self-serve cancel button. Call **+44 151 545 1500** or send a secure message from **my-drs.co.uk/get_in_touch** telling them to cancel the arrangement from the next due date, then mirror it by email to **complaints@ardentcredit.co.uk** with your reference. If you set the payments up on a card via the portal, also check nothing is queued, the balance on your account updates within 24 hours of a payment. Ask for written confirmation that the arrangement is cancelled and what the remaining balance is.

What if I've already paid the original creditor?

Send DRS the proof rather than paying again. Reviewers repeatedly describe being chased after settling directly with the creditor because DRS's file wasn't updated. Message the portal and email **complaints@ardentcredit.co.uk** with the creditor's confirmation email or receipt, the date, and your DRS reference, and ask them to return the account to the client and confirm in writing that it's closed. Chase the original creditor at the same time to instruct DRS to recall the account, the creditor, not DRS, controls that.

Is Ardent Credit Services / DRS a scam?

No, it's a real, FCA-authorised firm (reference 695106), Companies House number 04691960, registered at 1st Floor Enterprise House, Moorgate Point, Moorgate Road, Knowsley Industrial Park, Merseyside L33 7XW. It's also a Credit Services Association member. That doesn't mean the debt they're chasing is correct: verify the reference and the creditor before paying, and never pay a number or link from an unsolicited text. Their genuine numbers and portals are 0151 545 1500, my-drs.co.uk and paydrs.co.uk.

Can Ardent Credit Services send bailiffs or take me to court?

DRS state plainly that they are not bailiffs or enforcement agents, they are a debt collection agency, so they have no power to enter your home or seize goods. What a creditor can do, through DRS or solicitors, is pursue a county court claim, which would arrive as court paperwork you must respond to. A collection letter is not a court claim. If a letter implies enforcement powers they don't have, that's a complaint point worth raising in writing.

How do I complain about DRS and how long does it take?

Email **complaints@ardentcredit.co.uk** or write to The Complaints Officer, Ardent Credit Services Ltd t/a Debt & Revenue Services, 1st Floor, Moorgate Point, Moorgate Road, Liverpool L33 7XW. Their published timescales: acknowledgement within 5 days, investigation and a final response where possible within 28 days, and a final response letter by 56 days at the latest. That final response explains escalation, the Financial Ombudsman Service for consumer-credit complaints, or the Credit Services Association for other complaints. Always quote your 7-9 digit reference.

How do I stop DRS calling and texting me?

Their privacy notice says they contact customers in writing, by email, telephone and text, and that you can ask them to stop contacting you by a certain method at any time. Send that instruction in writing (portal message plus complaints@ardentcredit.co.uk), name the methods you want stopped, and give a preferred channel so they can still serve notices. If contact continues after a written request, log dates and times: that's evidence for a complaint and, ultimately, for the Financial Ombudsman Service.

Why am I still being charged after cancelling Ardent Credit Services Ltd t/a DRS?

Usually one of three things: the cancellation never completed (no written confirmation), the subscription bills through Apple or Google and must be cancelled there, or a minimum term is still running. Charges continuing after a confirmed cancellation can be disputed with your bank as a chargeback.

How do I delete my Ardent Credit Services Ltd t/a DRS account?

Cancel the subscription first, then request account deletion in settings or by email. If there is no self-serve option, email a written erasure request citing the applicable data-protection law; most companies complete erasure within about 30 days.

How to Cancel Ardent Credit Services Ltd t/a DRS.

Q: Does Ardent Credit Services Ltd t/a DRS charge a cancellation fee?

Rolling monthly plans end at the period already paid for with nothing extra to pay. Fixed minimum-term plans can carry an early-exit charge until the term ends, check your signup terms for a minimum-term end date.

Here's the fastest way to cancel Ardent Credit Services Ltd t/a DRS and what to expect.

Last verified 22 days ago · data refreshes daily · sources: homepage, google-paa, google-paa, web-search

The fastest way

To stop a DRS (Ardent Credit Services) payment arrangement, call +44 151 545 1500 or send a secure message via my-drs.co.uk/get_in_touch, then email complaints@ardentcredit.co.uk with subject 'Cancellation of payment arrangement, Ref [your 7-9 digit reference]'. Acknowledgement is promised within 5 days; final complaint responses can take up to 56 days.

Or let yoink do it for you.

30 seconds. AI emails Ardent Credit Services Ltd t/a DRS, handles retention, chases the refund. You approve once, then sleep.

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Every way to cancel Ardent Credit Services Ltd t/a DRS

Phone (fastest): Call +44 151 545 1500 and say “cancel my service”. Expect a retention pitch, decline it twice and hold firm.
Online: Direct cancel flow: www.my-drs.co.uk/get_in_touch
Post: Written complaints and cancellation notices can be posted to The Complaints Officer, Ardent Credit Services Ltd t/a Debt & Revenue Services, 1st Floor, Moorgate Point, Moorgate Road, Liverpool L33 7XW. Send it tracked so you can prove delivery.
Email: Ardent Credit Services Ltd t/a DRS doesn’t process cancellations by email. Still worth sending one: it dates your cancellation request in writing, which matters for disputes and refunds.

Timing matters: Card payments made at paydrs.co.uk show as 'www.paydrs.co.uk' and the account balance updates within 24 hours; settlement discounts only apply if you notify DRS via the get-in-touch page at the time of payment, and complaint clocks run 5 days (acknowledgement) / 28 days (investigation) / 56 days (final response).

The email that backs it up

Ardent Credit Services Ltd t/a DRS won’t action a cancellation from an email alone, use the fastest channel above for the cancellation itself. This email still earns its place: it puts your cancellation date in writing (your evidence if they keep billing) and it’s where the refund request happens.

Email the verified address
customercare@ardentcredit.co.uk, the standard route for Ardent Credit Services Ltd t/a DRS.
Use a precise subject
Subject: Cancellation Request, [your account email]

Send this template

Hi Ardent Credit Services Ltd t/a DRS team,

I'm writing to cancel the subscription on my account, [your account email].

Please treat this as formal notice of cancellation, effective from the end of the current billing period. I'm exercising my statutory right under the consumer-protection law of my jurisdiction to cancel by written notice.

Please confirm by reply that the subscription has been cancelled and that no further charges will be taken.

If your policy allows it, I'd also appreciate a pro-rata refund for the unused portion of the current period.

Best,
[your name]

Wait for confirmation
Wait 24 hours. If there's no response, send a polite one-line follow-up referencing the original request.

Does Ardent Credit Services Ltd t/a DRS charge a cancellation fee?

We found no cancellation fee in Ardent Credit Services Ltd t/a DRS’s published terms. On a rolling plan you simply pay to the end of the current billing period and nothing after. If you’re inside a fixed minimum term, check your signup email for the end date, cancelling early is where fees usually hide.

What doesn’t work for cancelling Ardent Credit Services Ltd t/a DRS

Based on 4 sources, Reddit, app reviews, and direct testing. Skip these and save yourself the loop.

✕ Ignoring letters, texts or calls and assuming collection stops, DRS's own FAQ states that ignoring their letters could lead to further action to recover the outstanding amount, and contact continues until the account is disputed or resolved.
✕ Emailing once and waiting for a reply, Reviewers report emails being ignored and system updates lagging; one customer reported emailing six times without a helpful response.
✕ Paying the original creditor and assuming DRS closes the account automatically, Multiple reviewers describe DRS continuing to chase after the debt was paid or settled elsewhere, indicating their systems are not updated in real time by the client creditor.
✕ Posting a public Trustpilot review to get the account fixed, DRS replies to reviews by redirecting the customer to complaints@ardentcredit.co.uk with the reference number, because they will not discuss accounts in public.
✕ Asking DRS to cancel the underlying contract or subscription the debt came from, DRS collects on behalf of client creditors (telecoms, finance, HMRC and others) and cannot cancel or write off the original agreement, only the creditor can instruct that.
✕ Calling without your DRS reference number, Data-protection checks mean they must verify identity before discussing an account; reviewers report being blocked at the security-question stage.

Cancelled Ardent Credit Services Ltd t/a DRS but still being charged?

Three common reasons, in order of likelihood:

The cancellation didn’t actually complete. If you never received a written confirmation from Ardent Credit Services Ltd t/a DRS, treat it as not cancelled. Email customercare@ardentcredit.co.uk referencing your original request date and ask for written confirmation plus a refund of any charge taken since.
You cancelled in the wrong place. Subscriptions started through the App Store or Google Play bill through Apple or Google, cancelling on Ardent Credit Services Ltd t/a DRS’s site doesn’t touch them. Check Settings → Subscriptions on iPhone, or Play Store → Payments & subscriptions on Android.
Billing lag. A charge that was already in flight when you cancelled can still land a few days later. One trailing charge can be normal; two is not.

If they keep charging after a confirmed cancellation, that’s chargeback territory: dispute the charge with your bank citing “subscription cancelled, merchant continued billing”. The yoink app also flags this automatically, it keeps watching your inbox after a confirmed cancellation and alerts you if Ardent Credit Services Ltd t/a DRS charges again.

How Ardent Credit Services Ltd t/a DRS will try to keep you

Ardent Credit Services Ltd t/a DRS may respond with a retention offer, a discount, a free month, or a downgrade to a cheaper tier. Don't engage with the counteroffer. Restate that you want a full cancellation and cite the consumer law again if they push back.

They’ll say: “Continued letters, texts and calls even while a dispute or creditor complaint is already in progress”
You say: State in writing that the balance is disputed, name the creditor complaint reference, and ask DRS to place the account on hold pending the creditor's response, FCA-regulated collectors must not pursue a disputed balance as if it were undisputed.
They’ll say: “Pushing every dispute and cancellation down the phone line (0151 545 1500), where nothing is in writing on your side”
You say: Use the my-drs.co.uk secure message plus complaints@ardentcredit.co.uk so there is a timestamped record; calls are recorded on their side, so ask for the call reference and a written summary.
They’ll say: “Settlement discounts that only stick if you separately notify them after paying”
You say: Their own site says you must tell them via the get-in-touch page for the discount to be applied and the account closed, send the payment receipt the same day and ask for written confirmation the account is closed at £0.
They’ll say: “Security-question gatekeeping before they will discuss anything”
You say: Lead every message with your 7-9 digit DRS reference and the creditor name so the account can be identified without a phone verification loop.
They’ll say: “Complaint timescales stretched to 28 and then 56 days”
You say: Their procedure promises acknowledgement in 5 days and a final response by 56 days; after that (or after 8 weeks) escalate, consumer-credit complaints to the Financial Ombudsman Service, others to the Credit Services Association.

Your rights when cancelling

The law where you live is the strongest hook, lead with it when you contact the company.

Worldwide

Card-issuer chargeback
Your bank can reverse the charge.
Visa, Mastercard, and Amex all run chargeback schemes, “goods/services not as described” or “subscription not cancelled” are valid reason codes everywhere they operate. Your bank handles the dispute; Ardent Credit Services Ltd t/a DRS has ~45 days to defend.

Rights in other regions (United Kingdom)

United Kingdom

Consumer Contracts Regulations 2013
14-day cooling-off on new subscriptions.
You can terminate any continuous service contract within 14 days of starting it and recover any payment, no questions asked. Applies regardless of Ardent Credit Services Ltd t/a DRS’s own policy.
Consumer Rights Act 2015
Services must be as described.
If Ardent Credit Services Ltd t/a DRS’s service was misrepresented or didn’t deliver what was promised, you have a statutory right to remedy (repair, refund, or price reduction) regardless of their terms.

Delete your Ardent Credit Services Ltd t/a DRS account (not just cancel)

Cancelling stops the billing; deleting removes your account and personal data. Do them in that order, deleting an account with an active subscription can leave the billing running with no way to log in and stop it.

If there’s no delete option in Ardent Credit Services Ltd t/a DRS’s account settings, email customercare@ardentcredit.co.uk with the subject Account deletion request, [your account email] and ask for your account and personal data to be erased under data-protection law in most jurisdictions. They’re typically required to act on it, most companies complete erasure within about 30 days, and you should ask for written confirmation when it’s done.

Common questions about cancelling Ardent Credit Services Ltd t/a DRS

Ardent Credit Services Ltd trades as **Debt & Revenue Services (DRS)** and runs two customer sites: **my-drs.co.uk** (self-service portal) and **paydrs.co.uk** (card payment page). They are a Liverpool-based debt collection agency, established 1997, collecting on behalf of client creditors, telecoms, finance companies, retailers and HMRC among them. They are authorised and regulated by the FCA (firm reference 695106) and are a Credit Services Association member. If you've had a letter, text or email from DRS, it is the same company as Ardent.

Money-back questions (windows, pro-rata, chargebacks) are covered in the Ardent Credit Services Ltd t/a DRS refund guide. Need a human for something else entirely? The Ardent Credit Services Ltd t/a DRS contact guide lists every channel that actually answers.