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Lawton Hathaway Limited – Should You Pay Them?

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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 7th, 2024
Could you legally write off some debt? Answer below to get started.

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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.

Have you received a letter from Lawton Hathaway Limited and are wondering what to do? This is the right place to find answers to your questions.

Each month, more than 170,000 people come to our website for clear advice on how to deal with debt matters, so you’re not alone.

In this article, we will guide you on:

  • Understanding who Lawton Hathaway Limited are.
  • Learning how to check if the debt is really yours.
  • Knowing if you can choose not to pay Lawton Hathaway.
  • Seeing if Lawton Hathaway can take you to court.
  • Discovering how to write off some of your Lawton Hathaway debt.

Receiving a letter from a debt collector can be worrying. We understand this because some of our team members have been in a similar position so we know how it feels. We’re here to help you understand your options and make the right choices.

Here’s how you can take back control of the situation.

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 Lawton Hathaway debt letter?

Lawton Hathaway Limited will write to you when they want you to pay. This letter is part of a legal process, designed to give you a chance to pay the debt and simultaneously threaten legal action if you don’t. This is why it’s called a Letter Before Action. 

These letters can be intimidating and could be why you’re reading this post today. They’re made this way as you could be scared into paying when you don’t have to (just yet). 

Ask Lawton Hathaway to prove the debt

When your debt is still enforceable, you should ask Lawton Hathaway Debt Collection to prove you owe the money. This is a good way to reply if:

  1. You want to try to avoid paying
  2. You want to buy yourself time
  3. You think Lawton Hathaway has the wrong person

They must then send you evidence that the debt is yours. This usually has to be a scan of an agreement or contract you signed, which you then defaulted on. If they don’t provide this evidence you don’t have to pay.

Their client might still take you to court, so it’s best to keep a copy of your prove the debt letter and show a judge if litigation does take place.

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

Should you pay Lawton Hathaway?

You might end up having to pay Lawton Hathaway Limited, but that doesn’t mean you have to pay just because they sent you a scary letter. There are things you can do to either slow down the process or maybe even avoid having to pay at all. 

The first thing you should do is…

Check if the debt is still enforceable

Not all debts can still be taken to court. Older debts might be banned from the courtroom as a way to stop resources from becoming too stretched and backlogged with cases. Many debts become too old to be enforced after five or six years in Scotland and England, respectively. 

You should see if your Lawton Hathaway Limited debt is still enforceable before making any moves. If you find that the debt is too old to be collected, you can tell Lawton Hathaway Limited that is why you won’t be paying. It’s also worth asking them to write off the debt in these cases. 

Can you ignore Lawton Hathaway Limited?

You shouldn’t ignore debt letters from Lawton Hathaway Limited, but you don’t have to pick up the phone every time they call. 

Ignoring a Letter Before Action might end in court action and a bigger debt, so it’s best to take action. Even when you think there has been a mistake, you shouldn’t ignore them. 

» TAKE ACTION NOW: Fill out the short debt form

Can you really be taken to court?

You can be taken to court when a company believes you owe them money. If they win in court the judge will order you to pay. If you ignore the judge’s request, they will grant the claimant the right to use debt enforcement action, which includes the possibility of using bailiffs. 

However, it’s also possible that Lawton Hathaway Limited is making unsubstantiated legal threats. Their client might not have plans to take you to court but they’ll make legal threats anyway. This is a tactic so you pay up. But it’s impossible to know when litigation is a genuine possibility or not. 

How does Lawton Hathaway Limited chase you for money?

Lawton Hathaway chases debtors by first tracking them down and their contact information. They use whatever contact information they have to ask you to pay the money. They may repeatedly contact you as a way to wear you down, so you give up and pay. 

One of the most crucial forms of contact is in writing. They are likely to send you a Letter Before Action if they have your address. But what exactly is this letter? Read on! 

Thousands have already tackled their debt

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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.

For example, Cabot Financial have been known to collect for the DVLA while Lowell Financial and PRA Group buy debts from various credit card companies like Barclaycard.

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. 

Lawton Hathaway Limited Contact Details

Post: PO Box 900, Altrincham Cheshire WA15 5NZ
Phone: 0161 441 0850
Website: https://www.lawtonhathaway.com/
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.

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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