Henriksen Debt Collection: Check the Claim and Your Options

If you’ve received a letter from Henriksen Limited and you’re unsure what to do, we’re here to help. This article is meant to answer your questions and ease your worries.

We understand how you might be feeling. You might be wondering where this debt came from or if you really should pay it. It can be a bit scary, but remember, you’re not alone. Each month, over 170,000 people come to our website for advice on their debt problems.

In this article, we will help you understand:

• Who Henriksen Limited are and what they do.
• How to check if the debt they say you owe is really yours.
• What to do if you can’t afford to pay.
• What happens if you ignore Henriksen Limited.
• How you can stop them from bothering you.

We’re experts in dealing with debt collectors, as some of us have even been in your shoes. We know how it feels to face a situation like this. Let’s work together to figure out your best next steps in dealing with Henriksen Limited.

Debt recovery letters

Henriksen may contact you on a client’s behalf to request payment. Check the creditor, account reference, balance and whether the document is an ordinary demand, a letter before claim or court papers; the response required differs.

You’ll probably be given the option to discuss a payment plan to repay if you have financial difficulty. Or you could consider other debt solutions. 

Request for Proof

If you dispute the debt or need information to understand it, explain your concern and request relevant evidence. A proof request is not a guaranteed way to avoid a valid debt.

If you dispute the debt, explain why and ask for an itemised balance and evidence of liability. For recovery covered by FCA consumer-credit rules, a valid or potentially valid dispute must be investigated and recovery paused. A generic proof request does not cancel the debt, override an existing court order or extend a court deadline. Statutory consumer-credit information requests have separate requirements and do not apply to every debt.

What happens if you ignore them?

An entitled creditor may bring a court claim, with Henriksen acting on its behalf. Do not assume a legal warning is empty: check the document and deadline, and obtain advice if you disagree with the demand.

If the matter does go to court and you lose, you’ll have to pay the debt or you could face debt enforcement action, such as a bailiff. Going to court and facing bailiffs will cause the debt to grow. 

Before deciding how to respond, check the evidence, affordability and any legal defence.

» TAKE ACTION NOW: Fill out the short debt form

Is your debt too old to be collected?

In England and Wales, many ordinary contractual debts have a six-year limitation period from when the creditor can first sue. A payment or relevant written acknowledgment before expiry can restart it, and a claim issued in time or an existing judgment changes the position. Age alone does not prove a debt is statute barred. Scotland has different prescription rules; get advice before paying or acknowledging an old disputed debt, and respond to court papers on time.

A limitation defence must be checked under the law that applies to the account. It is not a rule invented because courts are busy, and an ordinary collection letter is not itself a court order.

Should you pay them?

Whether you owe the balance and whether it can be enforced depend on the account, applicable law and any valid defence. A generic proof request or the firm’s silence does not decide those questions.

They proved I owe the money

If Henriksen proves you owe the debt, you should consider paying in full or agree on a payment plan. Alternatively, you might want to explore other debt solutions by speaking with a charity. 

Ignoring payment requests after they provided evidence could lead to (expensive) legal action and even bailiffs. 

They never proved the debt

If the response is missing or inadequate, follow up with the specific dispute and obtain advice. A proof request does not cancel the balance or prevent a creditor issuing a claim in time.

Keep copies of your requests and responses. Failure to provide information may be relevant to the proceedings, but it does not automatically win the case. File the required acknowledgment or defence within the court deadline.

Take the first step towards tackling your debt

Every day, our partner, The Debt Advice Service, helps people understand their options for dealing with debt. Their debt advice is free, with no obligation to proceed.

MoneyNerd introduces you to The Debt Advice Service. We do not provide debt advice or recommend debt solutions.

Natasha

Very helpful and informative thank you

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The Debt Advice Service is a trading style of Pacific Financial Solutions Limited.

For free, impartial help and access to not-for-profit debt advice, visit MoneyHelper.

Online reviews

Henriksen Limited reviews online are split. Many businesses that use their services to get money from unpaying customers are happy with their work:

“I have been using Henriksen for my business for well over 3 years now. They have successfully reclaimed money owed to me 95% of the time. I have been very satisfied with the company and will continue to use them!”

• Deb the Web (Google Review)

Online reviews do not authenticate a particular demand or establish liability. Verify the sender independently and assess the evidence relating to your own account.

Other Debt Collectors 

You should check for more outstanding debts that you may have with other companies or debt collectors. Here are four steps you could take: 

1. Check your credit report for other defaults 
2. Check your email and post for reminders or overdue notices
3. Check the court records for CCJs against you
4. Check your bank statements for the names of other debt collectors 

There are hundreds of debt collectors in the UK and each works with different companies to collect debts.

Some debt collection businesses act for creditors; others purchase debts. Check the letter and ask who owns the debt and how the balance was calculated.

If you see a name on your bank statement that you don’t recognise then you can search MoneyNerd to see if they’re a debt collector. 

Henriksen Limited Contact Details