Have you received a letter or phone call from Andrew Wilson & Co debt collectors? Perhaps you’ve fallen behind on your rent, can’t pay your council tax or have a large debt on a credit card that you’re struggling with.
These are some of the common reasons why Andrew Wilson & Co may be trying to contact you.
Receiving correspondence from a debt collector is incredibly stressful. If you feel you can’t pay the debt or you’re unsure if you even owe the money, this guide is for you.
It will answer all your questions about Andrew Wison & Co High Court Enforcement and walk you through what steps you need to take to deal with the debt stress-free.
It’s not your fault. Complaints to the Financial Ombudsman have risen this year from 830 to 2,006, so it’s safe to say that you’re not alone.
Deal with your debt today and feel better tomorrow.
Who are Andrew Wilson & Co Debt Collectors?
They also collect unpaid loans for various credit card companies and payday lenders. If you default on court fines, they’ll also collect those.
However, not all debt that Andrew Wilson & Co debt collectors chase is on behalf of a lender. In my cases, the company buys debt in bundles and becomes the owner of your debt. This is legal and is often referred to in the fine print of credit agreements.
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Is Andrew Wilson & Co Legitimate?
Yes. Andrew Wilson & Co High Court Enforcement is a legitimate company. As a partner of HMRC, they often chase unpaid council tax and parking tickets. So if you receive a letter about this, don’t bin it thinking it’s spam!
They are a member of the Civil Enforcement Association which ensures they operate fairly and follow regulations.
Why are Andrew Wilson & Co Contacting Me?
You’ll be getting calls from this firm if you owe money or have fallen behind on payments. But you’ll probably owe this money to someone else, which is why you don’t recognise the name Andrew Wilson & Co. They work on behalf of creditors to chase up unpaid debts.
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Do Not Ignore Letters from Andrew Wilson & Co
If you receive several letters or calls and ignore them completely, chances are you’ll receive a visit from an agent at your home. However, Andrew Wilson & Co do have a legal obligation to give you time to explore your options regarding debt.
Many people think that if they ignore calls and letters for long enough, they will give up. But this is a myth. By ignoring them completely, you’ll risk further action and they may escalate your case to court.
How to Stop Home Visits from Andrew Wilson & Co
It can be a little intimidating when they show up at your home. Agents are usually sent to conduct home visits if letters and calls have gone unanswered. So to stop them turning up at your home, your best bet is to engage with them and show you’re responsive to their letters.
Write to Andrew Wilson to let them know you need time to explore your options. If they continue to contact you and you feel harassed, you have the option of filing an official complaint against the firm – we’ll look at how to do that below.
Should You Pay Andrew Wilson & Co Outright?
If you’re sure the debt they are asking for is legitimate and you have the means to pay it back, you should. This is the easiest way to avoid further action.
However, if you don’t recognise the debt they allege you owe or you can’t afford to pay it back without getting into further debt, you do have other options which we’ll look at below.
What Action can Andrew Wilson & Co Take?
Here are the steps Andrew Wilson & Co debt collectors can take to legally recover the debt:
1. Send letters and call your home
They’ll begin by sending you a letter informing you of the debt owed. They’ll give you details of how to repay and deadlines of when this is needed. They may also call your home to give you this information.
2. Send field agents
If calls and letters go unanswered, the next stage is sending field agents to conduct a house visit. These people are not bailiffs and do not have any right to enter your home or seize property. You have every right to ask them to leave and they must oblige.
3. Issue a County Court Judgement
If you continue to ignore attempts to contact you, Andrew Wilson & Co have the power to take you to court to have a County Court Judgement filed against you. This will compel you to pay the debt.
4. Get a warrant for bailiffs
If you don’t make payments towards the debt, bailiffs will then be sent to your home to remove belongings to the value of the debt owed. To be prepared, make sure to read this post on how to deal with bailiffs.
5. Apply for an Attachment of Earnings Order
They also have the power to apply for an Attachment of Earnings Order which will take the debt owed directly from your wages if possible.
Can Andrew Wilson & Co take me to court?
Yes, they can take you to court. However, as you can see from above, this won’t be their first course of action. Taking you to court is more of a last resort if you ignore their attempts to contact you.
But remember, they must make a reasonable effort to get in touch with you and they must give you time to explore your options regarding your debt.
Will I Lose My Home if I Can’t Pay Off the Debt?
It’s very unlikely that you’ll lose your home. Andrew Wilson & Co debt collectors mostly deal with unsecured debts, meaning they aren’t secured against an asset such as your home.
However, if you have a substantial debt and fail to make repayments, they can apply for a Charging Order which secures your unpaid debt against your home.
This won’t be done until they’ve first filed for a county court judgement which will give you time to make arrangements to avoid having your house put up as collateral.
How Do I Stop Andrew Wilson & Co Contacting Me?
Andrew Wilson & Co High Court Enforcement have a legal right to contact you to recover debt so there’s no way of stopping them calling you.
Even so, you can write to them and tell them your preferences for how you’d like to be contacted. For example, you can request you only be contacted by phone during certain times of the day.
Make sure to explain this is for work purposes, to avoid other members of your household learning details of the debt owed, or another important reason.
Once you’ve expressed your preferences, they should abide by them.
What do I do if they call me constantly?
If you ignore calls or fail to make arrangements with the firm, they will continue to call you. But they do have to abide by regulations set out by the Financial Conduct Authority.
Here is a list of things they can’t do:
- Threaten legal action which they know won’t happen.
- Send letters which look like court forms.
- Send bailiffs without a court order.
- Have field agents pretend to be bailiffs.
- Chase debt that is being managed by an IVA.
- Call at unreasonable hours.
- Ignore your stated contact preferences.
- Call you at work without permission.
- Talk to your family members or other persons about your debt.
- Refuse to give you reasonable time to make arrangements.
- Advise borrowing more money to pay off your debt.
- Attempt to confuse you with legal jargon.
How to Contact Andrew Wilson to Make a Complaint
If you believe you’ve been mistreated, pressured or harassed by Andrew Wilson & Co, you are within your rights to make a complaint to them directly at their head office:
Phone: 0161 925 1800
Post: 26 Missouri Avenue, Salford, Manchester, M50 2NP
If you’d like to escalate your complaint further, you can make a complaint with the FCA which is a regulatory body for financial institutions.
You can also contact the Civil Enforcement Association because this debt collector is a registered member.
Steps to Take to Deal with Andrew Wilson & Co
When you receive a letter, don’t immediately call and pay off the debt, especially if that means you’ll put yourself in further hardship.
Here is a list of steps you should when you receive a letter from Andrew Wilson & Co High Court Enforcement:
1. Do you owe the debt?
First thing’s first, check the debt is yours. If you don’t recognise it, check with a credit agency such as Experian or Credit Karma. All outstanding debts will show against your name.
2. Get them to prove it with a ‘Prove The Debt’ Letter
Still unsure it’s yours? Ask the firm to prove the debt by issuing a ‘prove the debt’ letter. If they can’t prove it, they legally have to mark the debt as settled.
If they can’t produce proof, they’ll send more intimidating-looking letters stating the debt owed – this is not proof so can be ignored.
3. Is the debt statute barred?
Some debt has a time limit according to the Limitation Act 1980. This means creditors in England have six years to chase up debt starting from the time you made the last payment.
After six years have passed, the debt becomes statute barred and they can no longer take you to court to force payment.
Debt requirements to be statute barred:
- The creditor has not registered a County Court judgment against you.
- You have not made any payments in the last six years.
- You have not admitted to the debt in writing in the last six years.
What to Do if You Can’t Afford the Debt
If you’ve gone through all the checks above and are sure the debt is yours, you are responsible for paying it back.
However, if you can’t afford to pay it back or would put yourself into more hardship, you have some options available:
1. Agree on a payment plan with Andrew Wilson & Co
Write to or call Andrew Wilson & Co and let them know you can’t afford to pay back the debt as a lump sum and would need a reasonable payment plan.
They should help you arrange a payment plan that you can afford over a reasonable time period.
Ensure they do not apply any unreasonable charges, interest rates or penalties for using a payment plan.
Quote from MrViews: “Quote from Mrviews: “…it seems the HCEO fees they are charging are not even legal, they are supposed to be around 2.5%, they are charging around 20%!”
Make sure to read this guide on setting up a debt management plan before agreeing to any plans.
2. Write off Andrew Wilson & Co debt
If you can’t afford the payment plan, you may be able to write off the debt. An Individual Voluntary Arrangement (IVA) consolidates all existing debts and creates one low, affordable monthly payment.
This could be a good option if you’re facing several debts and struggling to make the minimum payments each month.