In most cases, you may not need to repay Henriksen Limited Debt. But at the same time, it is necessary to keep an eye on it. It’s because your ignorance towards their reachouts can enable you to prevent potential legal troubles.
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What is Henriksen?
Henriksen Limited is one of the well-known debt collection agencies based in the UK. They carry out their operations by either buying the debts from other organisations or by helping them chase theirs.
Is Henriksen Limited Legit?
Yes, Henriksen Limited is a legitimate debt collection agency based in the UK because they are regulated to operate in the country. Also, they have been regulated by the Financial Conduct Authority (FCA).
Beating Henriksen Debt Collectors
You can eliminate henriksen limited’s debt collectors by cancelling a portion of your unmanageable debt. This is because, In the UK, there are several debt relief options available; selecting the best one could cancel some of your unmanageable debt, but choosing the incorrect one could be costly and time-consuming.
Who does Henriksen Limited work for?
Henriksen Limited works for a broader range of organisations in both the public and the private sector. According to their website, their main clients are:
- Loan companies.
- Utility companies.
- Telecommunication companies.
- Tradespeople.
- Veterinarians.
- Dentists.
If a business wants to use their services, the business owners are not required to make any upfront payment. It’s because Henriksen Limited’s primary goal is to make money from the debtors.
Henriksen Limited reviews
It must be said that. Henriksen Limited has a mix of good and bad reviews, like any other debt collection agency in the uk market.
The people who received calls from Henriksen to recollect their debts have left them with negative reviews.
- “Try to trap you just avoid them”
You must remember that they are not a scam. Instead, they are a legit debt collection agency.
Henriksen Limited debt recovery letters
At first, if they want to let you know that they are pursuing you to settle any debts, they would typically send you a letter regarding debt recovery. This letter will specify the amount you owe and provide instructions on how to make the payment.
Additionally, it’s important for you to be aware that this letter might also mention consequences.
What happens if you ignore Henriksen Limited?
It must be said that you should pay attention to Henriksen Limited because if you do not pay attention, this can result in the company that initially owns the debts taking the matter to court. If you lose the case, you may be lawfully required to repay the entire debt.
Also, if the court case results in legal enforcement, such as the bailiff, it can result in additional debt growth, putting you in a much worse financial situation than what you are facing right now.
Is your Henriksen debt too old to be collected?
Your debts cannot be enforced in court if it sorts under the Statute-Barred debt category. For that, you need to fulfil the following conditions at once.
This would mean that debt collectors are not legally allowed to chase you to recollect their unpaid debts. But keep in mind your credit history will not reset just because you received a statute-barred excuse.
Your credit history will be negatively affected, and you will find hardships in taking new loans and credit cards in the future.
Keep in mind debts such as HMRC debts and school loans lasts years enforceable in court as they are not affected by this Statute-Barred excuse. Plus, the debts that are already under CCJ conjugations are also cannot sorted under this category.
Send Henriksen a Prove the Debt Letter.
If your debt is not considered statute-barred, there could be a way to potentially avoid making the payment. You can respond to their letter by requesting evidence of the debt’s validity by sending them a request letter under the title “Prove the Debt“.
And make sure to ask them to send you written proofs that verify you owe them. Remember to keep a copy of the request letter and send it via traceable mail service as well. These documents will come in to handy if things escalate to a court issue without getting a reply from them proving the debt.
Henriksen Limited is bound by law to present substantial proof demonstrating that you indeed owe the sum they are seeking. Typically, this involves them providing a contract or credit agreement that you have previously signed.
If they’ve issued the letter in error, they are likely to recognise this themselves once you’ve asked for verification of the debt.
Should you pay Henriksen Limited?
Whether you should pay them or not depends on whether they prove that you owe them any debts or you don’t.
If Henriksen Limited proves you owe them debts, you must repay it in Full Payment or by a Payment plan.
If you are not in a situation to repay the debt, then you should get the help of a debt charity like stepchange, who may provide you with an adequate solution.
Keep in mind disregarding payment requests after they have shown strong verified evidence could result in the possibility of facing costly legal action and the involvement of bailiffs. And that is not a future you need to experience. Therefore, get in touch with them and try to find a reliable solution to your debt issue.
If they cannot provide evidence that you really owe them, then there is no obligation for you to repay them.
Nevertheless, it is important to bear in mind that if they take you to court without substantiating their claim of your indebtedness, presenting the correspondence copies that you have sent them can serve as evidence. By doing so, your chances of winning the case will rise as well.
I cannot afford payments: Can I Get a Debt Solution?
You can take the aid of a debt solution to manage some of your unaffordable debts.
There are a number of other alternative debt solutions available in the UK. Sometimes, you may find hardship in agreeing to unaffordable payment plans suggested by your Debt owner. In those situations, it’s better to apply for a debt solution to resolve your debt issue effectively.
But keep in mind you need to fulfil certain unique conditions in each of these debt solutions in order to get acceptance. Choosing the right debt solution will help you in solving your debt issue while choosing the wrong will make your financial situation worsen.
Therefore, it’s better to take debt advice from a professional debt advisor if you find hardship in selecting a debt solution alone.
6. Sequestration: Sequestration is essentially the Scottish equivalent of bankruptcy.
Can a debt collector come to your house?
As debt collectors like Henriksen Limited are not law enforcement like the bailiffs, they do not carry any legal power to visit your home and repossess your personal belongings. If they try to do it, you have the full authority to report it.
First, you need to get in touch with Henriksen Limited’s head office and make a complaint about the inconvenience you experienced, giving them a chance to settle the issue internally. Make sure to give them enough proof to prove your complaint as well.
As your secondary option, you can escalate this matter to the Financial Ombudsman Service (FOS) in the UK if Henriksen Limited’s agents have not able to resolve your complaint fruitfully. Henriksen Limited can end up paying huge fines or compensation if they are found guilty of the accusations.
Henriksen Limited Contact Details
| Address: | Newlands House, Thornburgh Road, Eastfield, Scarborough., YO11 3YT |
| Website: | https://hcollect.com/ |
| Phone: | 0344 411 3201 |
| Email: | contact@hcollect.com |
You can contact Henriksen Limited using the following contact details:
Other Debt Collectors
It is vital for you to check that you owe any debts to any other debt collection agencies or companies apart from Henriksen Limited. Here are four simple methods to do it:
Need extra debt help?
Suppose you feel that you require additional help with debts. In that case, it is highly recommended that you contact a debt charity like stepchange, which may guide you and offer you a proper debt solution based on your current financial situation.
Feel free to fill out our online form by clicking here if you want personal help from our Money Advisor Team based on your current financial standing.
Key Points
- Legitimacy of Henriksen Limited: Henriksen Limited is an accredited debt collection firm in the UK, backed by the authorization of the Financial Conduct Authority (FCA).
- Henriksen’s Clientele: They cater to a vast array of sectors such as utilities, telecommunications, and health professionals, indicating their extensive reach in chasing outstanding debts.
- Potential Debt Write-off: A significant number of UK residents have the legal ground to potentially write off portions of their outstanding debts.
- Consequences of Ignoring Henriksen: Disregarding Henriksen Limited’s payment requests can escalate matters, potentially culminating in court actions. However, specific aged debts, if untouched for over six years, might fall into the category of ‘statute-barred’ debts and are therefore unenforceable.
- Challenging a Debt: If there are uncertainties regarding the validity of a debt, individuals can send a “Prove the Debt Letter” to Henriksen Limited, demanding evidence of the debt they allegedly owe.
- Exploring Debt Solutions: It’s crucial to be proactive and consider multiple avenues for debt solutions. There are a plethora of experts and charities ready to provide guidance, ensuring the path to resolving debts is less daunting.
- Direct Contact with Henriksen: Henriksen Limited ensures transparency and availability by providing clear contact details, including their Scarborough address and the “hcollect” portal. This openness is a testament to their professional approach.
- Navigating Debt with Support: One doesn’t have to tread the waters of debt alone. Numerous debt charities and services are readily available to assist, ensuring individuals don’t feel isolated in their journey.