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You need to ensure that the debt truly belongs to you before you even think of paying Newlyn Plc Bailiffs. Plus, you need to act swiftly within 7 days of receiving a Notice of Enforcement from Newlyn. It is because after 7 days passing, the enforcement agents will visit your home to enforce the order issued by the court.

But here’s the twist – what happens if you don’t? I’m about to reveal that…

Yusuf Khan
Last updated on 6 October 2023
Fact Checked

Table of Contents

1. Who are Newlyn Bailiffs Debt Collectors?
2. Why would Newlyn Bailiffs Debt Collectors contact me?
3. Finding out if it is your debt
4. The debt is mine – what are the next steps?
5. How debt collectors can affect your life
6. Newlyn Bailiffs Debt Collectors and the law
7. What Types of Debt do Newlyn Debt Collectors Collect?
8. How can I manage my debts?
9. What is a Liability Order?
10. What Is A ‘Warrant of Control’?
11. Non-Domestic (Business) Rates
12. What is in it for Newlyn Bailiffs Debt Collectors?
13. Would they lie to you?
14. Dealing with debt collectors
15. Newlyn Bailiffs Debt Collectors Contact Details
16. Where can I get free debt advice?
17. Key Points:
18. FAQs


This article will provide you valuable insights on resolving these issues and achieving debt relief if you’re tired of Newlyn Bailiffs Debt Collectors contacting you, have concerns about their outreach, struggle with debt payments, or face unwarranted contact that makes you feel threatened.

Who are Newlyn Bailiffs Debt Collectors?

Newlyn Plc Bailiffs is one of the leading debt collection agencies that operates in the UK. They provide recovery services for traffic debt, council tax and commercial rent in addition to providing normal debt collection services.

Their company’s contact centre operates 6 days a week, including Saturday (9 am – 1 pm). But their online payment link and automated telephone payments are available 24/7.

They are a legitimate company. Below are some of the facts that will help you to validate their legitimacy.

  • Their company has been registered in the Companies House of the UK under the company name “NEWLYN PLC” since 1999.
  • Their company’s registered address – Century House, Wargrave Road, Henley-on-Thames, Oxfordshire, RG9 2LT.
  • Their company registered number 3770985.

Why would Newlyn Bailiffs Debt Collectors contact me?

There can be mainly 4 reasons for Newlyn Plc Debt Collection Agency Agents to get in touch with you.

1. Your original creditors have hired Newlyn Plc Debt Collection Agency’s agents to chase after you and recover their debt. Here, Newlyn Plc earns a commission or a fixed fee for each debt they successfully recover.
2. Newlyn Plc Debt Collection Agency has purchased the ownership of your debts from your original credit order for a fraction of the total value. Then they chase after you to recover the whole total, making them a huge profit in return.
3. They might call you to inform you about the future actions that they are going to take against you. This happens only if you ignore their reach outs. These actions can include going to court. It can even escalate to getting a warrant from the court to take enforcement actions, and so on.
4. Maybe it is simply a mistake. We all are humans. Thus, human errors can happen due to various reasons. You can simply get in touch with them and convince them about the mistake they have made.

From there onwards, you will have to deal with Newlyn Plc Debt Collection Agency instead of your original creditors if the fourth reason is not the case. They will initially send you a letter notifying you of all these data and what to do next.

Then thereafter, they will use constant phone calls, letters, emails, and home visits in extreme cases to convince you to pay if you ignore their reachouts. It’s because the strings of communication are now in their hands.

Finding out if it is your debt

At times, it might come as a surprise when you first learn about a debt from Newlyn Plc Debt Collection Agency.

In such cases,

1. Your initial steps should involve gathering all your financial history documents and comparing them to identify a match with the debt.
2. Following that, it’s essential to determine whether the debt in question falls under the category of statute-barred debt. It’s important to note that you are not legally obligated to repay a debt classified as statute-barred. For a comprehensive explanation of what statute-barred debt entails, please continue reading in a separate section within this article.
3. Your next course of action should be to reach out to Newlyn Plc Debt Collection Agency and request verification of the debt. Should they successfully demonstrate that you indeed owe the debt, you will be required to settle it.
So, what exactly is statute-barred debt?

The law does not mandate repayment of debts classified as statute-barred. Your debts must meet three simultaneous conditions to qualify for this statute-barred status.

1. The debts must be older than 6 years from the date of your last payment towards the debt.
2. You should not have engaged in any provable communication with the creditors within the six-year window mentioned in the first condition.
3. You should not have received a court order, such as a County Court Judgment (CCJ), within the same six-year period mentioned.

Fulfilling all these conditions simultaneously means that the court will not legally hold you responsible for the debt. However, it’s important to note that receiving a statute-barred excuse will negatively impact your credit history.

Consequently, you may encounter difficulties when applying for new loans and credit cards in the future.

How to verify your debts with Newlyn Plc Debt Collection Agency?

It is advisable to initiate contact and request verification to verify your debts with Newlyn Plc Debt Collection Agency. We highly recommend sending them a formal request letter titled “Prove the Debt,” prompting them to respond with written proof of your indebtedness. They are legally obligated to provide this proof.

Keep in mind that you are not obligated to make any payments if they fail to provide the necessary evidence. Their response should at least include a copy of the original credit agreement you had with the Original Credit owner to substantiate your debt.

Also, be sure to retain a copy of the request letter and utilise a trackable mail service to provide proof of your communication.

Suppose that Newlyn Plc takes legal action without responding with the required proof. In those situations, you can present a copy of the request letter and tracking number as evidence to the court. Those proofs will help the court to understand that Newlyn Plc has reached out to the court without verifying the debt with you.

The debt is mine – what are the next steps?

It is advisable to settle the debt if you have the financial means to do so. Or you can simply contact Newlyn Plc Debt Collection Agency to explore the possibility of establishing a payment plan if you are encountering financial difficulties.

You should clearly and convincingly communicate the financial challenges you are currently experiencing to secure approval for a payment plan from Newlyn Plc. They will assess your present financial situation and likely grant approval for a payment plan to facilitate debt settlement.

How debt collectors can affect your life

The involvement of Newlyn Plc Debt Collection Agency in your life can have various consequences. But these implications only come into effect if you continue to disregard their attempts to have the debt settled for an extended period.

Here are some of the potential consequences you may encounter if you persist in ignoring them:

1. Financial Consequences: Neglecting the debt may have a negative impact on your credit score. This happens most likely due to creditors reporting about your bad debts to credit bureaus. This could lead to difficulties in obtaining credit in the future, and the debt may continue to accumulate interest and fees, increasing the total amount owed.
2. Legal Actions: Newlyn Plc may pursue legal action to secure a County Court Judgment (CCJ) against you on behalf of the creditor. This can affect your ability to obtain credit and may result in wage garnishment or other enforcement actions.
3. Communication and Stress: Newlyn Plc may reach out to you through letters, emails, and phone calls in their efforts to recover the debt. Frequent communication can be stressful.
4. Asset Seizure: In certain situations, Newlyn Plc may employ bailiffs or enforcement agents to seize assets or collect the debt. This could involve the confiscation of possessions or vehicles.
5. Emotional and Psychological Impact: Dealing with debt collection agencies can be emotionally distressing and stressful, affecting your overall well-being. The constant reminders, looming threats, and the anxiety surrounding repayments can be overwhelming.
6. Workplace Impact: If legal actions are taken, your employer may be required to deduct money directly from your wages to repay the debt.

Newlyn Plc employs its own methods when it comes to debt collection. But avoiding them is not a solution. Confronting the situation may lead to finding a compromise. It’s crucial to remember that you have rights when dealing with debt collection agencies.

Newlyn Bailiffs Debt Collectors and the law

Debt collection agencies, including Newlyn Plc Debt Collection, are often associated with poor behaviour and underhanded practices. To address this issue, the Financial Conduct Authority (FCA) has issued guidelines for these agencies. The Newlyn Plc Debt Collecting Agents are required by law to follow.

These guidelines include:

1. Treating debtors fairly and avoiding aggressive or coercive tactics.
2. Providing clear and factual information to debtors.
3. Demonstrating empathy and consideration in their interactions with debtors.
4. Tailoring their actions to the debtor’s individual circumstances.

As a debtor, understanding these guidelines will help you recognise any red flags. It’s important to report Newlyn Plc Debt Collection if you’ve been dealing with them and believe they are not adhering to these guidelines and are not responsible enough to do so.

Unfortunately, many debt collection agencies do not take these guidelines into account, which can lead to unfair and harmful practices.

What Types of Debt do Newlyn Debt Collectors Collect?

Newlyn Debt Collectors collaborate with over 65 local authorities. They specialise in various debt collections, which include outstanding council tax, Penalty Charge Notices, and business rates. Plus, they are also known for retrieval of housing benefit overpayments and commercial rent arrears.

How can I manage my 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 Newlyn Plc. In those situations, it’s better to apply for a debt solution to resolve your debt issue effectively.

But remember, you need to fulfil certain unique conditions in each of these debt solutions in order to get approval. Therefore, choosing the right debt solution will help you in solving your debt issue, while choosing the wrong one 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.

Here are some key debt solutions available in the UK:

1. Debt Management Plan (DMP): An informal solution enabling you to make single monthly payments toward your debts without a binding commitment.
2. Individual Voluntary Arrangement (IVA): A formal agreement with creditors where you make regular payments, and the remaining debt is typically written off after 5 or 6 years.
3. Trust Deed: A Scottish alternative to the IVA with similar terms, including monthly payments and potential debt write-off.
4. Debt Relief Order (DRO): Suited for those with financial hardship. It involves a year of no payments while interest is frozen. Potentially, it can lead to debt write-off.
5. Bankruptcy: A serious option when you have no realistic means to repay debts. It offers a fresh start but with significant implications.
6. Sequestration: Sequestration is essentially the Scottish equivalent of bankruptcy.

a. You might be eligible to pursue a Minimal Asset Process bankruptcy (MAP) if your income is limited and you lack valuable assets.
b. This MAP option is characterised by its swiftness, cost-effectiveness, and simplified process, making it a practical choice worth exploring.

What is a Liability Order?

A Liability Order refers to the formal decision made by a Magistrates Court confirming your debt obligation.

For instance, your local council may seek a magistrate’s intervention to issue a legally binding demand for payment if you have an outstanding Council Tax debt. This demand can encompass any administrative or legal fees associated with obtaining the liability order.

Newlyn Debt Collection Agency may pursue legal action to obtain a Liability Order against you if you contest the debt and claim you do not owe it. Therefore, you need to have concrete proof in hand to fight in court against them.

Additionally, they will take further legal actions against you if a Liability Order is granted and you still do not make the required payment. These actions could involve dispatching bailiffs to your residence to seize your possessions as a means to encourage debt settlement.

Eventually, your seized belongings will be sold in an auction to recover the total debt and all bailiffs’ charges.

What Is A ‘Warrant of Control’?

A ‘Warrant of Control‘ is a legal document issued by a court that authorises enforcement agents or bailiffs to take specific actions to recover a debt owed by an individual or business in the UK. It typically empowers the enforcement agents to visit the debtor’s property and seize their assets to be sold at auction, with the proceeds used to pay off the outstanding debt.

The ‘Warrant of Control’ is often used in the context of debt collection and enforcement. It is particularly used in cases where other attempts to recover the debt have been unsuccessful.

This court order grants the enforcement agents the legal authority to take possession of the debtor’s goods. Then, it allows them to sell those assets in an action to cover the total debt and all bailiffs’ charges.

The procedures and regulations related to ‘Warrants of Control’ may vary by jurisdiction. So, it’s important to consult local laws and regulations to understand the specific processes and limitations in your area.

Non-Domestic (Business) Rates

Businesses aren’t exempt from Newlyn’s reach. Newlyn is known to collect business rates debts on behalf of local authorities. Their approach, mirroring their collection of council tax debts, is rigorous and methodical.

What is in it for Newlyn Bailiffs Debt Collectors?

It’s essential to be informed about their practices to effectively deal with debt collectors like Newlyn Bailiffs Debt Collectors.

Here are some key points to consider:

1. Incentives and Bonuses: Debt collectors often receive bonuses based on the payments they collect. They purchase debt at a fraction of its value and need to recoup their investment. This motivates them to aggressively pursue payments.
2. Frequent Contact: Some debt collectors may contact you daily using various communication methods to pressure you into paying. Excessive contact might breach guidelines and can be grounds for complaint.
3. Attitude: Debt collectors might initially be polite but could become rude, aggressive, or even threatening if you can’t pay. You have the right to make a formal complaint if they mistreat you.
4. Privacy Violations: Discussing your debt with others without your permission is illegal. You can file a complaint with the Financial Ombudsman Service (FOS) if debt collectors breach your privacy.
5. Deceptive Practices: Some collectors may use deceptive tactics, such as claiming to be bailiffs or making false threats of legal action. It’s against regulations to lie, and you can report such behaviour.

It’s advisable to request written repayment plans before making payments to ensure clear documentation of agreements. Being aware of these facts will help you navigate interactions with debt collectors and address any violations effectively.

Would they lie to you?

Not all debt collection agencies in the UK lie to their debtors while trying to recover their debts. However, there can be instances where some collection agencies try unethical practices in order to recover their debts.

Debt collectors in the UK, like in many other countries, are also subject to regulations and legal standards that govern their behaviour. In the UK, these regulations are primarily outlined in the Financial Conduct Authority (FCA) rules and the Credit Services Association (CSA) Code of Practice.

These regulations generally prohibit debt collectors from engaging in deceptive or misleading practices. Debt collectors in the UK are expected to adhere to ethical and legal standards, including the following:

1. Accurate representation of the debt: Debt collectors should accurately represent the amount owed, including any interest and charges, and provide clear documentation to the debtor.
2. Transparency: Debt collectors are expected to be transparent about the debt’s origin, the creditor, and the terms of repayment.
3. Fair and reasonable treatment: Debt collectors should treat debtors fairly and not use threatening, aggressive, or abusive tactics when trying to collect a debt.
4. Compliance with data protection laws: Debt collectors must adhere to data protection laws and safeguard debtors’ personal information.
5. Accurate information: Debt collectors should not provide false information about the debt, the creditor, or any legal actions they may take.

Deceptive practices by debt collectors are generally not tolerated in the UK. You can report them to the relevant authorities if you believe that a debt collector is engaging in deceptive or unethical behaviour.

Suppose you have concerns about a debt collector’s behaviour. In that case, you should seek legal advice and explore your rights and options to address the situation in compliance with UK consumer protection laws.

The Financial Ombudsman Service (FOS) and the Financial Conduct Authority (FCA) are two legal bodies where you can make a complaint against these debt collectors.

Therefore, It’s essential to document your interactions with debt collectors and to be aware of your rights as a debtor under UK law.

Dealing with debt collectors

Dealing with debt collectors can be challenging and stressful. But it’s crucial to protect your rights. Here are steps to consider:

1. Know your rights: Understand debt collection laws in your area to combat unfair treatment.
2. Document everything: Keep records of interactions, including dates and content, for dispute or reporting unethical behaviour.
3. Verify the debt: Request written validation for accurate debt details.
4. Communicate in writing: Maintain written records to avoid confrontations.
5. Negotiate or seek help: Negotiate payment plans or seek assistance from professionals.
6. Report unethical practices: Report abusive collectors to authorities.
7. Seek legal advice: Consult an attorney if your rights are violated.
8. Prioritise well-being: Focus on mental and emotional health. Seek support from professional debt advisors if needed. Remember, you’re not alone, and resources are available for managing your debt while safeguarding your well-being.

Newlyn Bailiffs Debt Collectors Contact Details

Stay informed and reachable. Here are Newlyn’s contact details:

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

Where can I get free debt advice?

As previously stated, there exist numerous organisations and charitable entities in the United Kingdom that provide no-cost debt guidance.

Suppose you find yourself grappling with debt-related issues or contemplating debt solutions. In that case, I strongly suggest reaching out to one of their advisors for complimentary financial recommendations and debt counselling services.

These include:

1. StepChange
2. National Debtline
3. Citizens Advice
4. Debt Advice Foundation.

Alternatively, 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:

  • Newlyn Bailiffs Debt Collectors specialise in purchasing debts from original creditors, often at a fraction of the debt’s original value.
  • A significant portion of UK residents might be unaware that they have the legal right to write off certain debts.
  • It’s crucial to ensure the debt attributed to you by Newlyn is genuinely yours before making any commitment. Always request proof of the debt.
  • It’s recommended to settle in full if the debt is validated. However, you can consider negotiating a structured repayment plan with Newlyn if this isn’t feasible.
  • Like all other debt collectors, Newlyn Bailiffs must adhere to specific guidelines. This includes treating debtors with respect and considering their financial situation.
  • It’s within your rights to lodge a formal complaint if you encounter abusive or intimidating tactics from Newlyn. The Financial Ombudsman Service (FOS) is a reliable body for such grievances.
  • Several organisations, including the Citizens Advice Bureau and StepChange, offer invaluable guidance and help if debts are overwhelming.
  • The agents at Newlyn are often incentivised with bonuses based on their recovery performance, which can sometimes drive their persistent approach.
  • Always remember that Newlyn has certain powers as an enforcement agent. However, they have limitations and must respect the debtor’s rights.


Are Newlyn bailiffs or debt collectors?

Newlyn operates as bailiffs, officially termed as enforcement agents in the UK. This distinguishes them from traditional debt collectors. Their elevated powers allow them to act directly on behalf of the courts.

Who owns Newlyn Group Holding Ltd?

The major stakeholder of Newlyn Group Holding Ltd is none other than Newlyn PLC. Additionally, David Smith holds a significant position of influence and control within the enterprise.

Are Newlyn Group Holding Ltd financially regulated?

No, Newlyn PLC does not come under the authorisation or regulation of the Financial Conduct Authority. Instead, they align their operations with The Tribunal Court and Enforcement (TCE) Act 2007 Part 3 Schedule 12.

Do HMRC use Newlyn Group Holding Ltd?

NO, Newlyn PLC isn’t associated with HMRC as a debt collection agency. It’s for another reason if you’re contacted by them.

Does Newlyn Group Holding Ltd buy debt?

NO, Newlyn PLC doesn’t buy debts. Their core function revolves around collecting debts for local authorities throughout England and Wales.

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