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Navigating your way through the labyrinth of debt can feel overwhelming, especially when dealing with H Collect debt collection agency. Not everyone will find themselves beholden to pay off these debts. But it’s important to know the consequences of not paying. Keep reading, and we’ll unveil the options you might not even know you had.

Warren Marshall
Last updated on 14 August 2023
Fact Checked

Table of Contents

1. Who are Henriksen Limited?
2. Why Is H Collect After Me?
3. Are Henriksen Limited Debt Collectors Legit?
4. Should I Pay H Collect the Money I Owe?
5. What is Henrikson Limited’s Debt Recovery Process Like?
6. What do I do if I get a letter or call from H Collect?
7. What Actions Can H Collect Take If I Don’t Pay?
8. Who Do Henriksen Limited Collect for?
9. What Payment Options Do I Have with H Collect?
10. What if I can’t afford to pay?
11. H Collect Parking Fine
12. H Collect Contact Information
13. Where Can I Get Professional Advice?
14. Key Points
15. FAQ


Who are Henriksen Limited?

Henriksen Limited, also popularly known as H Collect, is a UK-based debt collection agency with a reputation for its effective and professional debt recovery operations. 

Located in Yorkshire, and with several years of industry experience under their belt, they offer services to a diverse array of businesses across numerous sectors, helping them recoup overdue debts that have significantly impacted their bottom line.

In some situations, this debt collection company also provides their clients with a completely free debt collection service. Because of this, many companies prefer to hire them for successful debt collection services. Some sectors that they recover debts for include:

  • Food and Beverage
  • Offshore Subsea and Marine Equipment
  • Waste Management & Disposal
  • Accountants / Solicitors
  • Media / Advertising
  • Reprographics
  • Oil & Fuel Industry
  • Industry Logistics & Automotive
  • Construction/Steel Fabrications

Why Is H Collect After Me?

H Collect could be in contact with you for several reasons, primarily due to an outstanding debt that has been transferred to them for collection. This debt could be from a variety of sectors, such as:

  • Utilities
  • Telecommunications
  • Parking fines
  • Local authorities

Their role is to act on behalf of these entities to secure the owed debt, which could be the reason behind their pursuit.

Are Henriksen Limited Debt Collectors Legit?

Yes, Henriksen Limited is a legitimate company, and they are authorised by The Financial Conduct Authority (FCA) under the reference number 688234. Some debts they are allowed to collect include:

  • Business debts
  • Consumer debts
  • Consumer Regulated debts

They have successfully completed the Collector Accreditation Initiative, and they are also members of the Credit Services Association (CSA). So this means that they have the exact same rights as your original creditor. If you receive a letter from them, there’s a high chance you owe them, and it is less likely that it’s a scam. 

Should I Pay H Collect the Money I Owe?

Should I Pay H Collect the Money I Owe?
Yes, It’s essential to deal with any debt promptly and responsibly. If H Collect contacts you about a debt, you are legally obligated to pay. They have the same powers as your original creditor to recover the debt. 

If you are unable to pay the debt in full, it’s advised to get in touch with them and explore various debt solution options to avoid further complications.

What is Henrikson Limited’s Debt Recovery Process Like?

H Collects’ debt recovery process is structured and methodical. Initially, they sent a letter detailing the debt. If they don’t receive a response or payment, they’ll attempt to contact you by phone. 

Failure to respond or settle the debt may lead to a visit from their field agents. If the debt remains unsettled, Henriksen Limited can take the case to court to enforce strict repayment measures. Below is a detailed explanation of their collection process:

1. They will call or send a letter and inform you that you owe them money. If you respond to them and pay off the debt, they won’t contact you again. 
2. If you don’t respond to them, they will send field agents to your house, where they will attempt to collect the debt. If you pay them, then from there onwards, they will leave you alone and won’t contact you again.
3. Keep in mind that field agents are different from bailiffs. So they cannot enter your home against your will or forcefully take your property.
4. Do not pay a penny till you receive an agreement paper that shows you have settled the debt, and from there onwards, H Collect will not ask you for more money in the future.
5. If field agents harass you by pretending to be bailiffs, you have the right to complain to the Financial Ombudsman Service (FOS)
6. If you don’t pay them even after field agents visit your home, Henriksen Limited may take you to court.

What do I do if I get a letter or call from H Collect?

When dealing with letters or calls from H Collect or Henriksen Debt Collectors, the first step is to confirm whether the debt is yours. Debt verification is crucial. For that, ask them via a letter titled “Prove the Debt” letter to request proof from H that the debt is yours. And you’re not responsible for paying if it hasn’t been proven.

Check if the debt is enforceable. If it’s been 6 years (5 years in Scotland) since your last payment on unsecured debts, and you haven’t corresponded with the creditor during this period, the debt is likely statute-barred.

It means those debts can’t be legally enforced. But Some debts, like HMRC debts, remain enforceable for decades to come. And also, debts that got a CCJ stay enforceable during the CCJ duration.

If your debt is statute-barred, you can inform the H Collect agency about the newly raised situation. If you’re unsure, consult a debt charity for advice on the debt’s status and your next steps. If you need to contact them, consider a phone call instead of writing to prevent resetting the statute-barred timer on your debt.

What Actions Can H Collect Take If I Don’t Pay?

What Actions Can H Collect Take If I Don't Pay?
Ignoring debt can be easy. But imagine this. You’ve missed a payment. Perhaps even two. You don’t respond to Henriksen Limited, thinking it cannot get worse. Let’s delve into the possible outcomes if you fail to respond to H Collect’s debt recovery attempts.

Initial Contact

Initially, H Collect sends out letters to the debtors. But these aren’t your regular letters. They’re official and legal notifications detailing the overdue debt. It includes:

1. The amount you owe the
2. How much time do you have to repay them
Ignoring the Debt

Let’s say you’ve decided to ignore these letters, the phone calls, and the emails. Can Henriksen Limited still pursue the debt? The short answer is yes. And the measures they take might shock you.

Garnishing Wages

One of the drastic measures H Collect can take is garnishing your wages. This means that Henriksen Limited will request an “attachment of earning order” from the court and send it to your employer. 

Thereafter, your employer will deduct the amount mentioned in the document from your wages. Usually, the amount they deduct is less than 40%. 

Arrest your bank accounts(s)

If you have some savings, H collect can get an interim third-party debt order and direct your bank to freeze up to the sum you owe immediately. 

However, nothing will be deducted from your account until after the final court hearing. The court may order a deduction from your savings if you don’t pay or arrange a payment schedule.

Seizing Property

Henriksen Limited will decide to seize your property if any of the other options don’t work. They can get a seizure order from the court and request the court to send authorised enforcement agents to your home. 

Before seizing your property, they will first ask if you can pay. If you don’t, they will move forward with their decision. In this case, they can force entry and take non-essential valuables even without your consent. 

Redirecting Benefits

If you’re unemployed or unable to work, H Collect can legally request your benefits to be redirected to pay off the debt. It’s a reality many face. The benefits you depend on could be at risk. This includes:

  • Jobseeker’s Allowance
  • Pension credit
  • Income Support
  • Employment and Support Allowance
Court Action

If the debt still remains unsettled, Henriksen Limited can take the case to court. Yet, this is a legal route they can take to enforce strict repayment measures.


Ignoring your debt with H Collect doesn’t make it disappear. It instead leads to severe consequences that can disrupt your life. 

The Responsible Path

So, what can you do to avoid such dire consequences? The responsible path is to address the debt promptly. Reaching out to Henriksen Limited to discuss your situation is the best option. It is best to agree to an affordable repayment plan than face the above consequences. 

Take the first step towards solving your debt problems today. Because the question isn’t just, “What actions can they take if I don’t pay?” It’s also, “What actions can you take to avoid it?”

Who Do Henriksen Limited Collect for?

Henriksen Limited services a broad spectrum of clients, including:

  • Local authorities
  • Utilities
  • Telecoms
  • Retailers offering credit facilities. 

They also aid smaller client sectors like:

  • Dental practices
  • Veterinary services
  • Independent tradespeople

What Payment Options Do I Have with H Collect?

What Payment Options Do I Have with H Collect?
H Collect offers a range of payment options to debtors, depending on their financial situation. You can also write off the debt if you meet the criteria. Some options available to pay your debt include:

  • One-time payments
  • Instalments
  • Have it deducted in instalments from your benefits
  • Have it deducted from your earnings

What if I can’t afford to pay?

There are a number of other debt solutions you could use to write off fully or partially of your total debt. But you need to fulfil certain conditions in order to get acceptance for them. Below are some of the debt solutions available in the UK. We have discussed the below solutions in deep with separate blog posts. Therefore click on the links below to learn more about it.

1. Individual Voluntary Arrangement (IVA)
2. Trust Deed
3. Debt Management Plan (DMP)
4. Debt Relief Order (DRO)
6. Sequestration

H Collect Parking Fine

If a parking fine has been passed to H Collect for collection, it’s crucial to clear the dues promptly to avoid additional charges. Ignoring parking fines can lead to legal complications and an accumulation of late fees, significantly increasing the original fine amount.

H Collect Contact Information

For any debt-related queries or concerns, Henriksen Limited can be reached through various modes of communication, including email, phone, or their official website. They maintain transparent and open communication channels to address debtors’ issues effectively.

Henriksen Limited Address Newlands House, Thornburgh Road, Eastfield, Scarborough. YO11 3YT
Henriksen Limited Contact number 0344 411 3201
Henriksen Limited Opening Hours Monday to Friday (9.00am- 5.30pm)
Henriksen Limited Email contact@hcollect.com
Henriksen Limited Website hcollect.com
Henriksen Limited  Chat Live chat service

Where Can I Get Professional Advice?

There are a number of charity debt organisations where that help debtors (like you) resolve their unique issues for free. Below are some of the reputed institutes that do their charity debt operations for free in the UK.

  • National Debtline 
  • Citizens Advice 
  • Debt Advice Foundation
  • StepChange

Key Points

  • Henriksen Limited, also known as H Collect, is a reputable debt collection agency authorised by the Financial Conduct Authority (FCA). It’s crucial to know who you’re dealing with when it comes to debt recovery, and Henriksen Limited is a name you can trust.
  • Should you find a Henriksen Limited debt letter in your mailbox, don’t ignore it. Verify the debt first and foremost. Once you’re certain, consider your payment options. These could be full payment, instalments, or exploring other debt solutions.
  • They work with various sectors, including Telecommunications, Utilities, Local Authorities, and even small businesses. The debts they recover are far-reaching and diverse.
  • Failing to address your debt can lead to severe consequences. If you don’t pay, H Collect may take legal action like arresting benefits, garnishing earnings, or seizing property. It’s a serious matter that demands your attention.
  • Reach out to them to discuss possible payment plans tailored to your financial situation. If that’s not feasible, you could explore UK debt solutions that might enable potential debt write-offs.


Why is H Collect contacting me?

It’s likely that you have an outstanding debt with a company that has employed H Collect services for debt recovery. Always verify any debt claims by contacting the original company or Henriksen Limited directly.

Is H Collect a legitimate company?

Yes, Henriksen Limited or H Collect, is a reputable debt collection agency authorised by the FCA. They adhere to strict regulations and standards to ensure fair debt collection practices.

How can I verify a debt with H Collect?

If you’ve received a letter from Henriksen Limited or H Collect, it’s essential to verify the debt. You can do this by contacting the original creditor or reaching out to Henriksen Limited (H Collect company) directly. Ask for details about the debt, including the amount owed and the original creditor.

What happens if I don’t pay H Collect?

If you fail to pay your debt, H Collect can take a range of actions, including wage garnishment, benefit redirection, or property seizure. Legal actions may also be taken, leading to potential court orders or bailiffs.

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