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Hellix Ltd – Should You Pay Them?

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By
Scott
Scott Nelson Profile Picture

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.

Learn more about Scott
&
Janine
Janine Marsh Profile Picture

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 27th, 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.

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.

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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 surprise letter from a debt collector like Hellix Ltd can be quite a shock. It may leave you wondering: Should I pay them? Is this real? Can they take me to court?

Don’t worry, you’re not alone. Each month, over 170,000 people come to our website seeking help with debt issues.

This article will help you understand:

  •  What to do if you get a debt letter from Hellix Ltd.
  •  How to stop any harassment from Hellix Ltd.
  •  If you could write off some Hellix Ltd debt.
  •  What happens if Hellix Ltd proves your debt.

Research shows that 64% of people in the UK feel stressed when dealing with debt collectors.1 Some of our team members have also experienced this firsthand.

With our expertise and understanding, we’re here to guide you through your options. Let’s tackle this together.

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.

Have you received a Hellix Ltd debt letter?

Hellix will make initial contact with debtors by telephone, email, SMS and by letter when they have sourced your latest address.

These debt letters are the most important communication.

A Hellix Ltd debt letter may threaten legal action if you don’t pay up by a deadline. This makes these letters a Letter Before Action (LBA), and they are a prerequisite if the client wants to take legal action to chase the debt. 

However, check that you are liable for the debt before you pay it. In our experience, not enough people verify debts before they pay off intimidating debt collectors – sometimes you are chased for debts that you don’t have to pay.

Ask Hellix Ltd to prove your debt first!

You should ask Hellix Limited to prove the debt if they haven’t provided you with concrete evidence that you owe the money.

You don’t have to pay until they provide the proof, which should be a copy of a signed agreement. 

To do this, you reply to their LBA stating you want proof and will not make a payment until proof is supplied. 

We have created this prove the debt template letter for all readers to download for free. It will save you time finding the right words to request proof of the debt.

Keep a copy of your letter so you can show a judge in case you get taken to court but your request went unanswered. 

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

Typical Debt Collection Process

To better understand debt collection deadlines and how you can get ahead of them, please check out our related article on the topic and take a quick look at the table below.

Stage Actions What you should do:
Missing one or two small payments Calls and letters from the debt collector asking for payment. They may enquire about reasons for missing payments. Contact the debt collector and offer to pay what you can. If you are struggling to pay the debt, get in touch with us to explore your options.
Missing large or multiple payments Their contact will become more frequent, urgent, and threatening. Contact the debt collection agency and offer to pay what you can. You may also make a complaint if you think the letters are a form of harassment.
Debt collector visit After a few months, if the debt is significant (£200+) you will receive notice of a debt collector visit. They have to notify you before arriving. Debt collectors cannot take anything from your home – they may only ask for payment. If a debt collector shows up at your home, ask them to show proof of the debt and their ID through a window. Do not open your door or let them in. You can arrange a payment plan with the debt collector, but make sure to get a receipt of this.
Court If you still do not pay your debts to the original lender/debt collector agency, they will take you to court and either attempt to:
– File a CCJ against you.
– File an attachment of earnings order.
– File a lawsuit against you.
You must show up to your court date. From here, you can either dispute the debt, or the judge will likely suggest a manageable repayment plan for you.

Hellix Ltd has proved your debt – what now?

If Hellix Ltd proves you owe the money, it’s probably time to consider paying.

If the amount owed is too much for you right now, consider speaking with them about a payment plan. Or get more help dealing with debts on our debt info page.  

Don’t ignore the issue because you can’t afford to pay it all at once. This could only make things worse. 

StepChange found the average unsecured debt amount per client increased by 27% year-on-year to £16,1742, so it’s safe to say that neither the issue nor debt collection agencies are going away any time soon.

» TAKE ACTION NOW: Fill out the short debt form

Can Hellix Ltd take you to court?

Hellix Ltd’s client might take you to court to try and recover the debt.

If you don’t defend yourself a CCJ will be issued, which could open the door to bailiffs being used. However, the client may not be willing to take legal action, and any legal threats may be empty. 

But there isn’t a way to know for certain whether legal action will take place. So it’s best to assume they will – rather than take a risk.

Thousands have already tackled their debt

Every day our partners, The Debt Advice Service, help people find out whether they can lower their repayments and finally tackle or write off some of their debt.

Natasha

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

Get started

Reviews shown are for The Debt Advice Service.

How to stop Hellix Ltd harassment

If Hellix is repeatedly contacting you or calling at unsociable hours, you can do something about it.

Send them your communication preferences, which might be only to contact you in writing or at certain times of the day.

If they ignore your communication request, you should make a complaint. And if that doesn’t fix the issue, you can take your complaint to the Ombudsman

Hellix Ltd Contact Details

Address: Hellix Limited St Margarets Business Park
Unit 6 Moormead Road, Twickenham, TW1 1JN
Phone: 020 3096 5899
Email: [email protected]
Website: http://www.hellix.co.uk/
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. StepChange, Scotland in the Red.
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.