You need to make sure the debt claims that were placed upon you by Thomas Higgins Bailiffs, are genuinely belong to you before even thinking about paying them.
If it’s confirmed to be yours, then you have a 7-day window from receiving a Notice of Enforcement to take action and resolve the debt issue. Otherwise, the enforcement agents will visit your home to enforce the order issued by the court after passing 7 days.
But here’s the catch with Thomas Higgins… what happens next might surprise you. Stay with me as we delve deeper.
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This article will provide you valuable insights on resolving these issues and achieving debt relief if you’re tired of Thomas Higgins 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 Thomas Higgins?
The Thomas Higgins Bailiffs Debt Collection Agency is one of the leading debt collection agencies that operates in the UK for almost 43 years. They started their firm in 1980. They have no specialised debt category that they wish to heavily focus on when it comes to debt recovery.
In addition to debt purchasing from other lenders, Thomas Higgins Bailiffs agents are known for working on behalf of other individuals and businesses to recover their debts as well.
Thus, they might get in touch with you if you have any type of debt in the UK with them or with their client. Below are some of the debt types they are known for chasing and recovering.
According to their website, their commercial services include the following:
They have a huge clientele, including major companies like HMRC, Mobile phone companies, and Local Councils.
In most cases, they prefer acquiring individual debts in bundles to secure a more favourable deal, as buying individual debts solely isn’t typically cost-effective for them. Then, they chase after the debtor to recover the total debt. By doing so, they make a considerable profit as they have full ownership of the questioned debt.
Over the years, their reputation has soared. It’s not just about their effectiveness in Thomas Higgins debt collection but also about the human touch they bring. Thomas Higgins strives for resolution, not conflict, while many associate debt collection with aggression. It’s always about finding a middle ground in order to ensure both sides feel heard.
Their approach is more focused on mutual understanding and communication. Sometimes, the simplest methods yield the most effective results.
Is Thomas Higgins a legitimate Company?
Yes. Thomas Higgins Debt Collection Agency is a legitimate company. Below are some of the facts that will help you to verify its legitimacy.
- Their company has been registered in the Companies House of the UK under the company name ‘THOMAS HIGGINS LIMITED’ since 1980.
- Their company’s registered address – Lloyds Chambers, 19- 21 Seaview Road, Wallasey, Merseyside, United Kingdom, CH45 4TH.
- Their company registered number 10177315.
- They are authorised and regulated by the Solicitors Regulation Authority (SRA) under reference number 630440.
Why would Thomas Higgins Bailiffs Debt Collectors contact me?
There can be mainly 4 reasons for Thomas Higgins Debt Collection Agency Agents to get in touch with you.
From there onwards, you will have to deal with Thomas Higgins 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.
How to Stop Contact from Thomas Higgins
You are not the only one who might get surprised just because you received a call or debt letter from Thomas Higgins Debt Collection Agency. It is advised not to ignore their reachouts as could escalate to a situation where you might not be able to escape easily.
Thomas Higgins Debt Collection Agents will start continuously spamming following general contact methods in order to get in touch with you after sending the first notification letter.
You stop this whole torture by simply writing them a request letter stating that you are willing to communicate with them but only through your preferred communication method. We strongly advise you to choose letters as your preferred communication method in order to avoid inconveniences.
The Thomas Higgins Debt Collection Agents are bound by law to honour your request and start communicating through letters by putting a full stop to their other reachout methods.
Sometimes, you might get a feeling that Thomas Higgins Debt Collection Agents are over.
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Finding out if it is your debt
Since you have control over the communication preference over Thomas Higgins Debt Collection Agency, now it’s time for you to find out whether you really owe them.
For that, you can follow the following steps in general.
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.
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.
It is advisable to initiate contact and request verification to verify your debts with Thomas Higgins Debt Collection Agency. We highly recommend sending them a formal request letter ptitled ‘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 Thomas Higgins 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 Thomas Higgins has reached out to the court without verifying the debt with you.
What should I do if Thomas Higgins prove I really owe them?
It is advisable to settle the debt if you have the financial means to do so. Or you can simply contact Thomas Higgins 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 them. They will assess your present financial situation and likely grant approval for a payment plan to facilitate debt settlement.
Can I ignore Thomas Higgins Debt Collection Agency?
No. It’s really a bad idea to ignore Thomas Higgins Debt Collection agents’ reachouts.
Below are some of the general steps they may follow to recover their debt if you ignore them.
- This CCJ conjugation will make you legally responsible for the debt. And it will last six years in your credit history if you don’t settle the debt before passing 30 days of receiving the Court order(CCJ).
- Thus, you may find difficulties in getting new loans and Credit Cards in the future as this CCJ Conjugation affects your credit history negatively.
The decision to take your debt issue to court is highly likely depends on the amount you owe to them and the worth of going to court(including court charges). Thus keep in mind every debt case will not end up in court.
What will happen if you ignore the CCJ?
The Thomas Higgins Debt Collection agents will again go back to court and will take a warrant or writ of conduct to use bailiffs to visit your house and seize your valuable belongings if you ignore the CCJ conjugation. Then, the bailiffs will store your seized belongings in a warehouse and eventually sell them in an auction to recover total debt and all bailiffs’ charges.
As you can see, it’s really a bad idea to ignore Thomas Higgins Debt Recovery agents’ reachouts. Plus, there is plenty of time in between these procedures. Therefore, we strongly suggest you use that time to find a reliable solution to your debt issue before things get escalate to this extent.
What are my other options if I can’t afford to settle debts with Thomas Higgins Debt Collection Agency?
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 Thomas Higgins Debt Collection Agents. 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:
- You might be eligible to pursue a Minimal Asset Process bankruptcy (MAP) if your income is limited and you lack valuable assets.
- This MAP option is characterised by its swiftness, cost-effectiveness, and simplified process, making it a practical choice worth exploring.
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.
What if I am a vulnerable person?
Vulnerable individuals are protected under UK law. Thomas Higgins Ltd, like all debt collectors, must adhere to guidelines when dealing with such individuals.
This includes the elderly, those with mental health issues, and more. You need to always notify them to notify them about any vulnerabilities you are experiencing so that they can act accordingly.
What regulations should they be following?
Thomas Higgins Debt Collection Agency is authorised and regulated by the Solicitors Regulation Authority (SRA). However, they are bound by the Financial Conduct Authority (FCA) if they are conducting any debt collection practices.
Debt collection agencies, including Thomas Higgins Debt Collection Agency, 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 Thomas Higgins Debt Collecting Agents are required by law to follow.
These guidelines include:
As a debtor, understanding these guidelines will help you recognise any red flags. It’s important to report Thomas Higgins 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.
How do I make a complaint against Thomas Higgins Bailiffs?
You have the right to file a complaint if you believe that Thomas Higgins Debt Collection Agency’s Agents have behaved improperly or deviated from the guidelines established by the Financial Conduct Authority (FCA).
In the initial step, it’s advisable to lodge your complaint with Thomas Higgins Debt Collection Agency’s head office. It will give them an opportunity to address the issue internally.
As your secondary option, you can escalate your grievance to the Financial Ombudsman Service (FOS) if you find their response to your complaint unsatisfactory. They will conduct an investigation into your complaint. Then, Thomas Higgins could face fines, and you may be entitled to compensation if it is deemed valid.
Thomas Higgins Ltd Contact Details
Below are some of the contact details of Thomas Higgins Debt Collection Agency that you can use to get in touch with them.
| Website: | https://www.thomashiggins.com/ |
| Phone number: | 0151 452 0452 |
| Address: | Lloyds Chambers, 19-21 Seaview Road, Wallasey, CH45 4TH |
| Contact Us online form: | https://www.thomashiggins.com/contact-us.html |
How to Get Free Debt Help to Deal With Debt Collectors like Thomas Higgins?
There are some instances in which you may find difficulties in dealing with these debt collectors. On those occasions, you are allowed by law to get debt help from a professional debt advisor.
For that, there are a number of paid and charity debt organisations whose sole purpose is to help individuals like you in finding a reliable solution to your debt issue. As a starter, we suggest you go with charity debt institutes because they provide their service free of charge.
Below is a list of charity debt organisations that you could use to get help in solving your particular debt issue for free.
What is the Debt Breathing Space Scheme?
It’s better to explore the Government’s Debt Respite Scheme (Breathing Space) may be a prudent step if you’re concerned about receiving additional debt letters from Thomas Higgins while seeking a resolution.
This initiative allows you a period to seek advice or initiate a debt solution. Launched in May 2021, it provides a 60-day window with no additional fees, interest, or enforcement actions following successful eligibility checks.
There are two available types of breathing space:
It’s essential to note that this scheme is not applicable in Scotland, where individuals are required to apply for a Statutory Moratorium instead.
Key Points:
- Thomas Higgins is a UK-based debt collection agency that represents various companies in retrieving their debts.
- It’s essential to verify the legitimacy of the debt in question if you’re contacted by Thomas Higgins.
- Avoiding or ignoring communication can lead to added fees and charges, worsening your situation.
- A significant portion of UK residents might be unaware that they have the legal right to write off certain debts
- You can consider alternatives like Debt Management Plans, Individual Voluntary Arrangements, and Trust Deeds besides paying off the debt directly.
- Clearing your dues or setting a repayment structure can deter further interactions with Thomas Higgins.
- It’s better to Seek Expert Guidance from organisations such as Citizens Advice or the Financial Ombudsman Service if you are facing difficulties in handling debt problems alone.
- In extreme scenarios, explore options like bankruptcy (or sequestration in Scotland) as potential pathways to a fresh financial start.
- Empower Yourself with Information: Equip yourself with knowledge about Thomas Higgins and debt-related matters to ensure you make informed decisions.
FAQs
Thomas Higgins is a renowned UK-based debt collection agency that assists various companies in reclaiming their unpaid debts.
If you’ve received a letter from Thomas Higgins Ltd, it likely means they’re acting on behalf of a company or creditor to which you owe money.
Always verify the legitimacy of the debt. If the debt isn’t familiar or you believe it might be a mistake, reach out to Thomas Higgins Ltd for clarification and evidence.
No. Ignoring their attempts to communicate can lead to additional fees and charges, making your situation more challenging.
