Newlyn Plc Bailiffs Debt - Should You Pay?

Q: What happens if I ignore a CCJ?

You should not ignore the CCJ. If you do, you won\'t go to prison, but you may receive a visit from debt collectors, who can remove items which equate to the value of the 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 worried about a bailiff from Newlyn Plc knocking at your door? Or stressed about your things being taken away? Perhaps you’re finding it tough to talk with the bailiffs.

If so, you’re not alone. Every month, over 170,000 people come to our website for advice on debt issues.

In this article, we will guide you on:

Understanding why Newlyn Plc bailiffs might contact you.
Checking if the debt that Newlyn Plc claims is really yours.
Learning how you can pay off the debt, if it is yours.
Exploring ways to manage your debts.

Citizens Advice estimate households have around £18.9 billion in unpaid bills like council tax and utilities¹. So, it’s very common to be concerned about debt and its consequences.

Don’t worry! We’re experts in this field, and we’re here to help you learn how to deal with Newlyn Plc.

Why would Newlyn Bailiffs Debt Collectors contact you?

Debt collectors such as Newlyn Bailiffs Debt Collectors will buy the debt from the original creditor.

This means that you may have the debt with another creditor, such as a loan or credit card company, and the debt collector buys the debt and chases it on their behalf.

Debt collection agencies buy billions of debt annually at rock bottom prices – at an average of 10p to £1!². They don’t particularly care about your financial situation and whether you are facing problems or not, they just want you to pay up!

Unfortunately, many debt collection agencies are resorting to underhand tactics to try and get the payment.

Do you have to pay?

You shouldn’t pay debt until you are sure the debt is yours.

There are instances when you could be chased about a debt you have already paid, or they may have made an error and started chasing the wrong person.

If you don’t recognise the value of the debt, that is probably down to the fact that there are extra charges and interest.

You should write to Newlyn Bailiffs Debt Collectors and request that they send you the original credit agreement. If they are not able to send this to you, you would not be under any obligation to pay the debt.

» TAKE ACTION NOW: Fill out the short debt form

Your Rights With Debt Collectors

If you’ve been contacted by Newlyn Plc, it’s crucial to understand your rights. This way, you’ll prevent unfair treatment and stressful situations.

Here’s a quick table that explains what debt collectors are not allowed to do. If you want to learn more about your rights, be sure to read our detailed guide.

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 a debt solution could help

Some debt solutions can:

Stop nasty calls from creditors
Freeze interest and charges
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

If you can pay, you should pay!

If the debt is yours, it is accurate and you are content that everything is above board, you should repay the money you owe.

It is always advisable to pay this in full if possible. This is the quickest and easiest way to get Newlyn Baillifs off your back.

Dealing with debt collectors

No one enjoys dealing with debt collectors, but it is even worse when they use abusive tactics to try and get you to pay.

Debt collectors can have severe effects on the mental health of borrowers.

Janine, our financial expert, explained that while debt collectors can visit your home for payments, they cannot come to your workplace, act threateningly, force payment, or discuss your finances with others.

If they violate these rules, you can complain.

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.

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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Reviews shown are for The Debt Advice Service.

You may be able to write off your debt

If you have serious debt issues, there is the option of entering into an Individual Voluntary Arrangement (IVA).

This gives you the opportunity to right off some of your debt.

With an IVA, you make monthly payments towards the total debt, and after a set period, usually five years, the remaining debt will be written off.

You would need the help of an insolvency practitioner to undertake this process.

Newlyn Bailiffs Debt Collectors Contact Details

Mailing Address	Newlyn PLC PO Box 933, Northampton NN1 9DX
Phone Number	01604 633001
Email	[email protected]
Website	https://newlynplc.co.uk/

FAQs

Are Newlyn bailiffs or debt collectors?

Newlyn are bailiffs otherwise known as enforecement agents and they are not debt collectors as they have more powers and act on behalf of the courts.

Who owns Newlyn Group Holding Ltd?

Newlyn Group Holding Ltd has a significant stake in Newlyn PLC. David Smith also has significant influence or control of the business.

Are Newlyn Group Holding Ltd financially regulated?

Newlyn PLC are not authorised or regulated by the Financial Conduct Authority. They work under The Tribunal Court and Enforcement (TCE) Act 2007 Part 3 Schedule 12.

Do HMRC use Newlyn Group Holding Ltd?

Newlyn PLC do not work for HMRC as a debt collection agency.

Does Newlyn Group Holding Ltd buy debt?

No. Newlyn PLC collects debts on behalf of local authorities in England and Wales. They do not buy debts.

Could you just ignore debt collectors?

Newlyn PLC buys debt from companies that have been unable to collect from you. They buy the debt for a few pence on the pound and then aim to collect a fraction of the full amount to make a profit.

Can Newlyn Group Holding Ltd take you to court?

You can be taken to court if you owe the money. They would need to get a County Court Judgement in this case. You will receive a letter if you have a CCJ.

Can you go to jail for debt collections?

Newlyn PLC will not be able to put you in jail, as a result of debt you owe.

What happens if I ignore a CCJ?

You should not ignore the CCJ. If you do, you won’t go to prison, but you may receive a visit from debt collectors, who can remove items which equate to the value of the debt.

Can Newlyn Group Holding Ltd issue a warrant?

They do not have the ability to issue you with a warrant, or send you to prison as a result of your debts. They can request a CCJ though, and this could result in bailiffs turning up at your door, to recover items.

Can Newlyn Group Holding Ltd come to your house?

Newlyn PLC could come to your house, but they have no powers. You can turn them away from your property, and they won’t be able to do anything about it. They may instruct bailiffs to visit your property, but they cannot do much on their own.

Can Newlyn Group Holding Ltd force entry?

Newlyn PLC cannot force entry into your property. You can send them away, and they can’t do anything about it.

Will Newlyn Group Holding Ltd give up?

Newlyn PLC will probably not give up. They will probably chase the payment until they have exhausted all possible avenues. They have the right to chase you for 6 years.

Can a debt be too old to collect?

Debt can become too old. Debt collectors may only chase the debt for 6 years. This is part of the Limitation Act 1980. The 6 years is from the last payment you made, or the last time you spoke to the creditor about the debt.

How long can you legally be chased for debt?

The Limitation Act 1980 allows debt companies to chase the debt for 6 years. If you have a CCJ, there is no limit. They can then chase you for the debt for as long as they wish!

Are debts ever written off?

The debt can be written off after the 6 years has expired, unless you have been issued with a CCJ. In which case, you can be chased limitlessly. You may also write some debt off using an IVA.

How do I contact Newlyn Group Holding Ltd?

Newlyn PLC can be contacted by phone, but they do not have a freephone number. You can also contact them via email. There is a contact form on their website, and there is also a live chat feature on their website.

How do I pay Newlyn Group Holding Ltd?

Newlyn PLC accepts card payments either online or by phone. You can also pay by standing order or by posting a cheque or postal order. Payments in person can be made at Post Offices or PayPoint outlets.