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Drydensfairfax Solicitors Debt – Should You Pay?

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Scott Nelson

Managing Director

MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.

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Janine Marsh

Financial Expert

Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.

Learn more about Janine
· Feb 6th, 2024
Could you legally write off some debt? Answer below to get started.

Total amount of debt?

This isn’t a full fact find, MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

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Drydens Fairfax Solicitors Debt

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

Getting a sudden letter from Drydensfairfax Solicitors about owing money can be a worry. You might be asking, “Do I really have to pay this? Is it real? Can I afford it?”

You’re not alone. Every month, more than 170,000 people come to our website for help with debt problems. 

In this article, we’ll show you:

  •  How to check if the money Drydensfairfax Solicitors say you owe is really yours.
  •  Ways to stop Drydensfairfax from bothering you too much.
  •  Options for paying back the money, and sometimes, even how to get some of it written off.

You’re not the only one who’s had to deal with debt collectors like Drydensfairfax Solicitors. We know it can be scary, as nearly half of the individuals who deal with debt collection agencies have experienced harassment or aggression1. But don’t worry; we’re here to help. 

Could you legally write off some debt?

There are several debt solutions in the UK, choosing the right one for you could write off some of your unaffordable debt, but the wrong one may be expensive and drawn out.

Answer below to get started.

How much debt do you have?

This isn’t a full fact find. MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

Who Are Drydensfairfax?

Drydensfairfax Solicitors is a trading style of Drydens Ltd, which was taken over by Arrow Global Limited in 2019.

Drydensfairfax is a company that works in the debt collection industry to recover unpaid debts to their clients – a very profitable practice, as debt collection agencies buy billions of debt annually at rock bottom prices – at an average of 10p to £1!2

They will contact UK residents who owe their clients money just like any other debt collection agency, and they may threaten legal action if you fail to pay or agree to a repayment plan.

Their clients are diverse. They may be chasing you for money owed to credit card companies, banks, utility providers or even other debt companies

Are Drydensfairfax Solicitors Credible?

But are Drydensfairfax a trustworthy debt collection agency?

Yes. Drydensfairfax Limited describe itself as a large regulated law firm that specialises in the recovery of consumer debts for high street banks, building societies, businesses and the government. They are regulated by the Solicitors Regulation Authority and are also authorised and regulated by the Financial Conduct Authority. They are a credible legal company. 

They claim to try and build customer relationships to help you pay off the debt, although there is no proof of this.

» TAKE ACTION NOW: Fill out the short debt form

Make Drydensfairfax Prove You Owe the Debt

I always recommend responding to debt collectors – even just to question the debt’s validity. Remember, you have the right to request proof of the debt. They have to prove it, or they can’t charge you.

You do not have to pay a debt until it has been proven that you owe the debt. If Drydensfairfax has asked you to pay by saying you owe the money without proving you do, it is time to make them work. By sending a letter asking them to prove the debt, it is now Drydensfairfax’s obligation to supply you with proof. 

You can use this letter template to ask for proof with confidence. Download the form and add your own details and reference number if applicable. You’ll then be able to request the proof and wait to see if Drydensfairfax replies.

If they do not provide proof, you have no obligation to pay. It could take them a while because they will have to go back to their client and ask them to supply it, which buys you further thinking time. This is why you should always ask debt collection agencies for proof, even if you know about the debt. We have added their contact details near the end of this post. 

Drydensfairfax Solicitors Proved it, What Now!?

It might take some time, but Drydensfairfax could reply to your letter with proof and continue to request payment. They are likely to offer you payment options to spread the repayments out over time, which could include interest. 

This could be a good option, but it all depends on your personal circumstances.

Other solutions could save you money and time. See our debt options page to read about the other ways to get out of debt.

Whatever you do, do not ignore Drydensfairfax, especially after they prove you owe the money. 

Know Your Rights

If the situation comes to a point where your debt has been proven, and Drydensfairfax has sent people to your home to collect the debt, it’s important that you know your rights and those of the debt collectors visiting you to have an edge over the process.

Please check out our related article on the topic and take a quick look at the table below.

Debt Collectors Can But They Can’t
Contact you by phone or mail. Call you after 9pm or before 8am.
Conduct home visits (on rare occasions) and knock on your door. Forbily enter your home, or stay if you ask them to leave.
Threaten to take you to court by suing you for payment on a debt. Harrass you, including threats of violence, repeated calls and visits, or abusive language.
Negotiate a debt settlement. Tip: make sure to get this new arrangement in writing. Visit your workplace.
Access your bank account, but only after a court judgment has been made. Take anything from your home or threaten to do so.
Sell your debt. Speak to other people about your debt without your permission.
Contact you frequently. Keep doing so if you request that they reduce communications.

How Must Drydensfairfax Solicitors Treat Me?

When locking horns with Drydensfairfax, it helps if you know your rights.

The law states how Drydensfairfax must act and behave when trying to recover debt from you. They must:

  1. Not apply pressure or become aggressive
  2. Not make legal threats that are not likely to happen
  3. Not pretend they are bailiffs or are able to get a warrant
  4. Not make phone calls, email or send text messages if you ask to be only contacted with letters
  5. Not make frequent phone calls that could amount to harassment
  6. Reply to your complaint in good time
  7. Provide information about debt support and advice
  8. Consider your personal situation when offering a payment plan 
  9. Customer service representatives should be clear and never mislead

If they don’t follow the rules, you may have grounds for filing complaints against Drydensfairfax Solicitors.

How a debt solution could help

Some debt solutions can:

  1. Stop nasty calls from creditors
  2. Freeze interest and charges
  3. Reduce your monthly payments

A few debt solutions can even result in writing off some of your debt.

Here’s an example:


Situation

Monthly income £2,504
Monthly expenses £2,345
Total debt £32,049

Monthly debt repayments

Before £587
After £158

£429 reduction in monthly payments

If you want to learn what debt solutions are available to you, click the button below to get started.

Get Started

3 Reasons to Make a Complaint About Drydensfairfax Debt Collectors

You can complain about Drydensfairfax if they break any of the regulations mentioned above. This should be done directly to them.

If they don’t deal with your matter adequately, you can escalate your complaint. You could complain to the Financial Ombudsman Service (FOS), the Legal Ombudsman, or to the Solicitor’s Regulatory Body (SRA).

If your complaint is upheld by any of these bodies, they may be fined and, in extreme cases, you may be awarded compensation.

Here is what to look out for and keep a record of if you make a complaint.

Aggressive Call Centre Workers

Sometimes the call centre staff of debt collection businesses will be aggressive because they are working for commissions and bonuses on your payments. It is now in their financial interest for you to pay and they could get angry or threatening. The customer service workers at this law company are not as likely to be working for a commission but look out for aggressive behaviour. 

Automated and Silent Calling

Calling too often may be seen as harassment, but some companies will do this using automated calling software. They may even call you and remain silent as a form of intimidation designed to wear you down and make you give in and pay. 

Telling Others About Your Debt

One of the biggest legislation breaches a debt collection team can do is reveal your debt or details to another person. Sometimes they may call your work or house phone number and expect you to answer but someone else does. They then go on to reveal you have a debt to the wrong person, which breaks privacy laws. 

Thousands have already tackled their debt

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Natasha

I’d recommend this firm to anyone struggling with debt – my mind has been put to rest, all is getting sorted.

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How to Write Off Drydensfairfax Solicitors Debts

They will not write off the money you owe. Remember, they do not even own the debt to be able to write it off.

You can write off some or all of the debt using one of these options:

  1. Debt Relief Order – can write off 100% of the debt if you are a low earner
  2. Settlement offer – can write off 10-20% of the debt if you can nearly pay the full amount owed
  3. Individual Voluntary Arrangement – can write off up to 80% of the debt if you have an income and multiple large debts. 

But there is another way to avoid having to make payments to Drydensfairfax. If your debt is at least six years old and you have not made a debt payment towards paying it off over the previous six years, your debt might be too old to be collected.

The wait is 5 years for statute-barred debt in Scotland.

You can reply to their letters by telling them the debt is too old. 

However, if a CCJ was issued before the debt was 6 years old it is not statute-barred. Some debts owed to specific creditors, like HMRC, are not subject to the same rules as other unsecured debts so will be enforceable for much longer.

You also need to keep in mind that the 6-year timer starts from the date of your last payment or your last written communication about the debt. Any payments you make or letters written will restart that timer!

You can read more about this and use our letter template in our statute-barred guide!

You might find that you are contacted by a debt collection company for a debt that is statute-barred.

In this example, this person would benefit from talking to a debt charity to find out if this debt is actually enforceable.

Drydensfairfax Solicitors Contact Details

Company Name: Drydensfairfax Solicitors
Other Names: Drydensfairfax
Head Office: 4th Floor, Fairfax House
Merrion Street, Leeds LS2 8BX
Contact Number: 01274 378 000 Bradford
0113 823 3443 Leeds
Operating hours: Monday – Friday: 8:00 am – 8:00 pm
Saturday: 8:00 am – 4:00 pm
Email: [email protected]
Website: www.drydensfairfax.com 
Numbers Drydensfairfax Might Call from: 08702407158
01138233370
01138233387

Drydensfairfax Debt Collection FAQs

Who owns Drydensfairfax Solicitors?
Drydensfairfax Solicitors is the trading name of Dryden Limited, which is one business within Arrow Global Group PLC. Philip Holden is the Executive Chairman of the company.
Are Drydensfairfax Solicitors financially regulated?
Drydens Limited is regulated by the Financial Conduct Authority in Leeds, West Yorkshire under the name Nazia Choudry. The registration number is 677021. The firm is also regulated by the Solicitors Regulation Authority under SRA number 511996.
Do HMRC use Drydensfairfax Solicitors?
As of 2021, the HMRC website does not list Drydensfairfax Solicitors as a collection business they use.
Does Drydensfairfax Solicitors buy debt?
Drydensfairfax Solicitors buy debts from other organisations as well as collecting debts on those organisations’ behalf.
What happens if you ignore debt collectors’ letters?
Many people choose to ignore debt collectors because they believe if they ignore them it will all go away eventually. Some lucky people do get away with it, but most of the time the debt collection team will initiate court action. You could be legally forced to pay!
What happens if I ignore a County Court Judgement (CCJ)?
If you have been issued with a CCJ to pay what is owed, the situation has already escalated far. You should try to make arrangements to pay off the debt collection agency swiftly and seek debt advice from a charity. If you continue to ignore the CCJ, the debt collection company can ask the judge for permission to use bailiffs. These people can force entry into your home and take items. They may even get permission to take your wages before it hits your bank account.
Is Drydensfairfax Law Firm also bailiffs?
Drydensfairfax Solicitors is a legal team and have a legal specialisation far beyond what the average debt collection company has. But that still doesn’t make them bailiffs. They cannot come into your home under any circumstance.
What is the Drydensfairfax phone number?
The Drydensfairfax Solicitors contact number is 01274 378 000 to call their Bradford office or 0113 823 3443 to call their Leeds office. They do not have an active social media you can contact.
How can ‘customers’ make a payment?
You can pay using your debit card or send the money using your internet banking. Payments are also taken over the phone.

Where Can I Get Debt Advice?

If you are dealing with debt collectors or considering a debt solution, I recommend that you contact a debt charity.

There are several charities and other organisations in the UK that offer free debt counselling services or free financial advice. They will be able to help you cope with debt collectors or just help you find the best debt solution for you. If you need advice don’t hesitate to contact them!

Could you legally write off some debt?

Answer below to get started.

How much debt do you have?

This isn’t a full fact find, MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

References

  1. InDebted, Debt Collectors Survey
  2. Jubilee Debt, A Fresh Start After Covid-19
The authors
Scott Nelson Profile Picture
Author
MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.
Janine Marsh Profile Picture
Debt Expert
Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.
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