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‘Newlands House, Caxton Way, Eastfield Scarborough’ Debt Info

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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.

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 14th, 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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Newlands House Scarborough 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.

Are you holding a debt collector letter? Are you concerned about what to do next? You’ve come to the right place. Each month, over 170,000 people visit our website for advice on debt problems.

Here, you’ll learn :

  •  Who Henriksen Limited are and what they do.
  •  If the debt letter you received is real.
  •  How to ask Henriksen Limited to prove the debt is yours.
  •  What to do if you can’t afford to pay.
  •  How to get help with debt solutions.

Did you know that 64% of people in the UK feel stressed when dealing with debt collectors?1 Well, you’re not alone. Our team understands these challenges and is here to assist you every step of the way!

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.

Can You Ignore Henricksen Limited Debt Letters?

Even if you don’t agree or believe the debt claims in the letter, you should never ignore it.

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

You can take action to fight these claims without paying and at the same time, make Henriksen Limited work for it.

You should start by sending a prove the debt letter.

» TAKE ACTION NOW: Fill out the short debt form

Sending Henriksen Limited a “Prove the Debt” Letter

You have a legal right to request proof that you owe the money Henriksen is asking for.

This proof should be contractual evidence or some sort of signed agreement. An unpaid invoice is not enough as you may dispute it.

You can ask for this information with a prove the debt letter, simply asking for the evidence and not to contact you again without it or it will be judged as harassment.

Keep copies of your prove the debt letter to give to a judge in case Henriksen decide to take you to court. 

The judge will side with you if you asked for proof and it was not provided. Letter templates can be found here!

We also recommend requesting proof of the debt even if you know what they are chasing you for. It can buy you some time and they might not be able to find the proof they need to make you pay.

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

Did Henriksen Prove Your Debt?

What if Henriksen comes back to your letter with real evidence that you owe the debt?

Well, if you can’t afford the debt you could request that they consider writing off some of the unaffordable debt.

You can download our “Write off my debt” letter template here.

In 2022, arrears on household bills increased by 68% from £1,739 to £2,9202. So, since it’s common for people to struggle with debt, debt collection companies often offer repayment plans. Henriksen should offer you a few different schedules for you to follow.

If that doesn’t work, at this stage, it is time to look for a debt solution.

So, what is a debt solution? Various agreements can be made between you and Henriksen and their clients to make repaying affordable over the longer term.

Can Your Henriksen Debt Be Written off?

You can write off some of your debts with some types of debt solution, which I discuss below, or by making a settlement offer that is accepted.

But there is another way that debt can be essentially written off.

If it has been 6 years – or 5 years in Scotland – since you last paid towards your unsecured debts and you have not written to your creditor about your debt during this time, it is statute-barred.

This means that the debt is not enforceable.

It still technically exists, and you still technically owe the money, but there is no legal way for you to be forced to pay any statute-barred debts in the UK.

Keep in mind that not all debts become statute-barred! Any HMRC debts, for example, will stay enforceable for decades. Any debt that had a County Court Judgement (CCJ) attached to it during the 5 or 6-year window will be enforceable for the duration of the CCJ.

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.

What Debt Solutions Are Available?

There are debt solutions for different situations – horses for courses if you will.

Before you commit to a debt solution, I recommend talking to a debt charity. They will be able to offer free and specific debt advice and help you find the best debt solution for your finances.

Debt Management Plan (DMP)

A DMP is an informal debt solution that lets you pay off your debts via a single monthly payment.

Because it is informal, it is not legally binding so you are not tied into a DMP for a minimum number of payments.

Individual Voluntary Arrangement (IVA)

An IVA is a formal agreement between you and your creditors. You agree to pay a monthly sum that is distributed amongst your debts, and your creditors agree not to contact you during your IVA.

IVAs typically last for 5 or 6 years, and any outstanding debt is wiped off when it ends.

Keep in mind that IVAs are not suitable for everyone. You need to owe several thousand pounds to more than one creditor to be eligible. You also need to demonstrate that you have some disposable income every month.

Trust Deed

IVAs are not available in Scotland. Instead, you will need to opt for a Trust Deed.

Trust Deeds work in the same way as an IVA – you pay an agreed sum each month that is shared amongst your creditors, they can’t contact you, and any leftover debt at the end of your Trust Deed term is written off.

Debt Relief Order (DRO)

A DRO is a good option for those facing financial hardship with no assets and little income.

For 12 months, you make no payments, but your creditors freeze your interest and don’t contact you.

If your finances haven’t improved during this year, you may be able to write off your unsecured debts.

Bankruptcy

If you have debts but no realistic possibility of ever paying them off, you may need to declare bankruptcy.

Bankruptcy has an unfair stigma attached to it as it may be your only way of getting a financial fresh start. That said, it is a serious financial situation that should not be taken lightly.

Sequestration

Sequestration is the Scottish version of bankruptcy.

If you have little income and no valuable assets, you may be able to apply for a minimal asset process bankruptcy (MAP). A MAP is a quicker, cheaper, and more straightforward version of sequestration, so worth considering.

Read Henriksen Limited Reviews

If you go online and look for Henriksen reviews, you will find a familiar story. Most of their clients who are chasing debts are happy with the service:

“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!”

[Google Reviews]

And people being chased by Henricksen are not impressed:

“[…] Don’t believe the letters you get of these parasites”

[Google Reviews]

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. 

How Do You Complain About Henriksen?

Understanding your rights when dealing with Henriksen or any other debt collection company is important.

That’s why I’ve created this table that explains what they can and can’t do. To learn more about your rights, make sure to check out our detailed article.

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.

If you think that Henriksen has been unreasonable or behaved inappropriately, you can make a complaint. You can also make a complaint if you feel that they have broken any of the Financial Conduct Authority’s (FCA) guidelines.

Fortunately, filing a complaint against Henriksen is quite straightforward!

Make your first complaint to Henriksen so that they have the chance to sort out the issue themselves. If you feel that they have not taken your complaint seriously enough or have not addressed your issue properly, you can escalate matters.

You can make any secondary complaint to the Financial Ombudsman Service (FOS). They will investigate and, if your complaint is upheld, Henriksen may be fined. You could even be owed compensation.

Newlands House, Caxton Way, Eastfield Scarborough Contact Information

Address: Newlands House Caxton Way, Eastfield, Scarborough, England YO11 3YT, United Kingdom
Phone: 0344 411 3201
Email: [email protected]
Website: https://hcollect.com/

FAQs

How do I know if a debt collector is legit?
You can know if a debt collector is legit by searching for them on companies house or on the FCA register. Also by contacting your creditors and seeing if they hired them or sold the debt.
How long does a debt collector have to validate a debt UK?
A debt collector in the UK has 6 years to attempt to reclaim a debt. After this limitation period the debt becomes statute barred and is unenforceable.
What happens if you don’t pay a debt collector?
If you don’t pay a debt collector when the debt is proven to be yours then you will receive multiple letters and a warning before being taken to court to pursue a CCJ.
What debt collectors cannot do UK?
Debt collectors in the UK cannot speak to anyone other than you about the debt, they cannot be threatening and they cannot contact you outside the hours of 6am and 9pm. There are many other things they cannot do…
Can I be chased for a debt after 5 years?
Yes. You can be chased for a debt for up to 6 years. After 6 years the debt becomes statute barred and debt collectors cannot attempt to claim the debt.
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 Collection Survey
  2. Step Change personal debt statistics in Scotland 2022
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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