Just because you received a debt letter from Horwich Farrelly Solicitors Debt Collection Agency doesn’t mean you may end up settling the debt every time. However, at the same time, it’s not wise to ignore their reachouts as well. It is because ignoring their reachouts can escalate to a situation where you might not be able to escape easily.

Keep reading. With this article, you will be able to learn more about Horwich Farrelly Solicitors Debt and how to deal with it effectively.

Table of Contents

1. Who are Horwich Farrelly Solicitors?
2. Why are Horwich Farrelly Solicitors Debt collecting agents chasing me?
3. Is Horwich Farrelly Solicitors a legitimate debt collector?
4. What’s the difference between a debt collection agency and Farrelly Solicitors debt collectors?
5. Should I ignore them?
6. How can I stop Horwich Farrelly Solicitors calls and letters?
7. What should I do if I receive a letter from Horwich Farrelly Solicitors?
8. What are my rights when dealing with them?
9. What action can Horwich Farrelly Solicitors take against me?
10. What if you cannot afford the payment plan suggested by the Horwich Farrelly Solicitors Debt Collection?
11. Other Debt Collectors:
12. Horwich Farrelly Solicitors Contact Information
13. Key Points

MORE
LESS

Who are Horwich Farrelly Solicitors?

Horwich Farrelly is one of the solicitor’s companies that has been providing legal and claim solutions to the UK and Ireland Markets since 1969. They provide a wide range of services for various businesses and individuals across the UK.

According to their website, their services include the following:

Their clientele includes some of the biggest insurance companies in the UK. With the years of expanding their business, now they have 8 branches across the UK in place to provide their services.

Among them, they’ve marked their presence in cities like:

But why might they be reaching out to you? Let’s uncover this.

Why are Horwich Farrelly Solicitors Debt collecting agents chasing me?

There can be mainly three reasons for a debt collection agency, like Horwich Farrelly Solicitors Debt Collection Agency, to get in touch with you.

Whatever the reason, you need to get in touch with Horwich Farrelly Solicitors Debt Collection Agency and explore further about their debt letter. But before you get in touch with them, there are some things you need to be aware of first.

Keep reading. You will find out about them eventually within this article.

Is Horwich Farrelly Solicitors a legitimate debt collector?

Yes, Horwich Farrelly Solicitors are a genuine beacon in the world of legal services. Their journey began in 1969, and since then, they’ve built an ironclad reputation. Horwich Farrelly Ltd stands tall and proud, backed by an extensive history and glowing testimonials from satisfied clients.

While many know them for their vast array of legal services, Horwich Farrelly’s involvement in debt collection often raises eyebrows.

But here are some facts about Horwich Farrelly Solicitors Debt Collection Agency that will help you in verifying the debt:

Impressively, the Manchester branch boasts several reviews, holding a 2.3/5 rating from 40 Google reviewers.

We believe the above information is enough for you to verify their legitimacy.

What’s the difference between a debt collection agency and Farrelly Solicitors debt collectors?

In these scenarios, a common question arises about the distinction between solicitors and debt collection agencies. Legally, both entities begin by requesting repayment, often through letters, emails, phone calls and home visits in extreme cases, to get in touch with you to convince you to settle the debt on behalf of their client.

The difference lies in the subsequent actions.

Therefore, It’s crucial to note that neither of them functions as a bailiff. However, they lack the authority to enter your residence and seize property to settle the outstanding debts unless they are bailiffs with a writ of conduct or warrant in hand.

Should I ignore them?

Let’s be real. Ignoring a problem doesn’t make it disappear. Especially when it’s about a legal entity like Horwich Farrelly.

Ignoring Horwich Farrelly Solicitors due to their limited powers might seem tempting, but it’s unlikely they’ll simply disappear. These companies are persistent and skilled in debt recovery, often working on a success-based payment model.

Additionally, ignoring their communication can lead to escalating consequences, including increased debt due to added interest and charges. Therefore, persistent avoidance may result in legal actions involving bailiffs, County Court judgments, or even bankruptcy.

How can I stop Horwich Farrelly Solicitors calls and letters?

You cannot completely avoid communication from the Horwich Farrelly Solicitors Debt Collection. But, you can control the way you wish to communicate with them to reduce their non-stop reachouts.

For that, what you have to do is simply write a letter to the Horwich Farrelly Solicitors Debt Collection stating that you prefer to communicate with them only through your preferred communication method.

We strongly suggest you tell them that you prefer only written communication to get in touch with them. By doing so, they are bound by law to completely stop making several phone calls per day to you or home visits and start communicating through letters.

By doing so, you will have enough time to research to find a reliable solution to your debt issue with them. It’s because it takes considerable time for letters to be sent and received.

Likewise, if you’re challenging the debt or requesting proof, they can’t persistently contact you during the review.

Also, it’s best to get in touch with them if you get a letter about a home visit. Let them know you’re disputing the debt or working on a payment arrangement. Typically, this will halt any plans for a visit.

What should I do if I receive a letter from Horwich Farrelly Solicitors?

Receiving a letter from the Horwich Farrelly Solicitors Debt Collection in the UK can be a serious matter, particularly if it pertains to debt collection or enforcement action. Here are steps to consider taking after receiving such a letter:

As the initial advice in the text you provided, don’t ignore the letter. You might throw the letter away, hoping they will forget about you. But it’s the other way around. Ignoring it can lead to further legal actions against you.

Carefully read the letter to understand the details of the claim, the amount owed, and the reasons for their involvement.

Collect relevant documentation regarding the debt, including letters from the original creditor, credit agreements, bank statements, and any evidence of payments made.

Your debt becomes unenforceable in the court if they are sorted under the Statute barred debts category. There are three conditions you need to fulfil simultaneously to get acceptance for this option.

Meeting all these conditions at the same time makes your debts legally unenforceable.

However, this doesn’t erase them from your credit history. Instead, receiving a Statute Barred excuse impacts negatively on your credit reports. This may pose challenges in obtaining new loans and credit cards in the future.

Also, It’s essential to note that not all debts become statute-barred.

For example, HMRC debts and student loans can remain enforceable for many years. Any debt with a County Court Judgment (CCJ) attached to it within the 5 or 6 year old window will also remain enforceable for the duration of the CCJ.

Understanding the concept of statute-barred debts in the UK can be intricate. If you’re uncertain about your debt’s status, consider seeking guidance from a debt charity. Their advisors can assess your specific debt, determine its status, and provide recommendations for your next actions.

You can find links to some charitable organisations offering advisory services for debt collection in the UK at the bottom of this article for your reference.

You can proceed by contacting either The Horwich Farrelly Solicitors Debt Collection or reaching out to the original creditor to discuss finding a reliable solution once you have a clear understanding of whether you believe you are liable for the debt but not eligible to take statute-barred excuse.

They may be able to provide additional information and clarify the situation. Be prepared to ask questions and seek clarification on any points you don’t understand.

For that, you can simply write a request letter under the title “Prove the debt”, asking to send you written proofs that show you owe them. Make sure not to include your signature in the letter to avoid the risk of forging your signature. They are bound by law to reply to you with written proof.

Remember to keep a copy of the request letter and to send it via a traceable mail service. These proof documents come in handy if things escalate to a court issue without you getting a reply from them.

Their reply should at least include a copy of the initial credit agreement you had with your original creditor. You are not required by law to settle the debt until they provide evidence to prove you owe them.

Consider seeking legal advice if you’re unsure about how to proceed or if you believe the debt is not valid. A solicitor or a debt advisor can guide your rights and options.

We have mentioned some of the organisations where you could gain help for free by the end of this article.

The easiest way to stop communication with them is by settling the debt in one go if the Horwich Farrelly Solicitors Debt Collection proves you owe them.

Or you can discuss with them to get acceptance for a payment plan if you are facing hardships financially. You need to discuss with them in a manner they get convinced enough that your financial situation is not strong enough to settle the debt in one go.

Surely, they will grant you a payment plan after considering all the facts. Their decision can become strict depending on the current stage of the proceedings. After all, they want to recover the debt.

Therefore, you will surely find a common ground to agree to a mutually agreeable arrangement.

What are my rights when dealing with them?

As previously mentioned, Horwich Farrelly Solicitors operate under the regulatory oversight of the Solicitors Regulation Authority (SRA).

Moreover, they are obligated to adhere to the rules and regulations set forth by the Financial Conduct Authority while in their pursuit of debt recovery. This implies that you possess certain rights in your interactions with them.

The following are actions they are prohibited from taking when handling your case:

If you believe they have violated any of these regulations, you have the right to file a formal complaint. It’s better to make a complaint to the Horwich Farrelly Solicitors head office about the unethical practice their agents conduct on you, giving them a chance to solve the issue internally.

Then, if the issue is not satisfactorily resolved, you can escalate your concerns to the Financial Ombudsman Service (FOS). The Horwich Farrelly Solicitors Debt Collection may end up paying huge fines and compensation if they are proven guilty of your accusations regarding unethical debt collection practices.

Keep in mind always to provide provable proof to make your complaint case strong. Otherwise, it will become a waste of time since there is no proof to prove your issue. For that, document and record every communication you had with them.

What action can Horwich Farrelly Solicitors take against me?

Let us walk you through how any debt collection agency in the UK, including Horwich Farrelly Solicitors Debt Collection Agency, will practice their debt collection procedures in general. This explanation will help you understand what will happen to you if you ignore them.

For that, they will send you an initial notice letter noticing their involvement and requesting for you to settle the debt. After the initial letter, they will use all normal communication methods such as letters, emails, and phone calls to get in touch with you and convince you to pay.

Then, they sent you one last letter titled Letter Before Action (LBA). With this LBA letter, they inform you that they will take your debt issue to court if you do not get in touch with them or settle the debt before the due date mentioned in the letter.

Surely, they will take your debt issue to the court to solve it. The judge will issue a County Court Judgment (CCJ) against you if the debts are proven true.

A CCJ makes you legally responsible for the debt. It will be recorded in your credit history and the public registry for 6 years if you do not settle the debt before 30 days of receiving the court order.

Otherwise, the status of the CCJ will be updated to “satisfied” if you manage to settle the debt passing the initial 30-day window.

Receiving a CCJ will negatively affect your credit history. As a result, you may find hardship in getting new loans and credit cards in the future.

The Horwich Farrelly Solicitors Debt Collection agents will go to court to take a warrant or a writ of conduct to use bailiffs to visit your home and seize belongings if you ignore the initial CCJ conjugation.

Initially, the bailiffs will send you an enforcement notice notifying you that they will visit your home in 7 days. With the warrant in hand, the bailiffs will visit your home and seize your belongings if you do not settle the debt.

Then, the seized goods will be stored in a warehouse and eventually sold in an auction to cover their expenses and total debt.

As you can see, it is not wise to wait till things escalate to this extent. There is plenty of time in between these procedures. We strongly recommend that you to use that time to find a reliable solution.

What if you cannot afford the payment plan suggested by the Horwich Farrelly Solicitors Debt Collection?

Sometimes, you may encounter difficulties in agreeing to the proposed payment plans from the Horwich Farrelly Solicitors Debt Collection Agency, especially if they are financially burdensome.

In such situations, it is advisable to explore alternative debt solutions that can effectively address your debt-related concerns. In the UK, there are various alternative debt solutions to consider.

However, it’s crucial to keep in mind that each of these debt solutions has specific eligibility criteria. Selecting the right one can lead to debt resolution while choosing the wrong one could worsen your financial circumstances.

Hence, seeking guidance from a professional debt advisor is a prudent step to take if you find it challenging to determine the most suitable debt solution on your own.

if you need personalised assistance based on your current financial situation, please feel free to complete our online form by clicking here to receive help from our Money Advisor Team.

Other Debt Collectors:

You need to be aware of other unsettled debts you have with other companies or debt collectors. Here is a summarised breakthrough for you to follow and track your debts.

Ensure you’re not overlooking any debts. Here’s how:

Hundreds operate in the UK, each associated with diverse companies.

Horwich Farrelly Solicitors Contact Information

Below are some of the contact details of Horwich Farrelly Solicitors Debt that you can use to get in touch with them.

Website:	https://www.h-f.co.uk/
Email:	info@h-f.co.uk
Phone:	03300 240 711
Mail:	PO Box 149, BLYTH, NE24 9FZ

Key Points