Who is Newlands House, Caxton Way, Eastfield Scarborough?

Did you get a Newlands House Caxton Way Eastfield Scarborough letter? Are you wondering who it is? If so, this post is for you.

I will explain who sent you the letter and what it relates to in my post. Check out the paragraphs below for more information!

Do you have to pay Henriksen Limited?

You might not have to pay Henriksen Limited.

If you genuinely can’t afford your debt repayments then looking into whether you could have your written off might be just what you need. 

If you want to find out whether you qualify for having debt written off or payments lowered then fill out the short form below.

Who sends Newlands House letters out?

Henriksen Limited sends out mail using this address. They are a debt recovery company based in the UK that works internationally too.

The debt collection agency is a bit sneaky because they just use their address on their mails, not the company name. Hence, the confusion and question, ‘who’s it from’?

Is Henriksen Limited a legitimate business?

Yes. Henriksen Ltd is a legitimate debt recovery business that typically chases debtors for money they owe. They’ll chase you for a debt worth £15 and which is not more than six years old.

Can you lower your repayments?

If you’re struggling to pay back your debt, then you might qualify for a debt solution.

Some solutions lower your monthly payments while others write off a portion of your debt. 

To find out whether they could work in your situation, hit the button below.

Get Started

Is Henriksen regulated?

Yes. Like all other debt recovery companies, Henriksen’s is regulated and a member of the Credit Services Association (CSA). In short, the Financial Conduct Authority (FCA) regulates the business.

The debt collector must abide by the Code of Practice and rules that govern debt collectors in the UK. Something many debt collectors do not do!

Who uses Henriksen Ltd debt collectors?

Henriksen has a plethora of clients which include:

• Local authorities
• Utility providers
• Telecom companies
• Credit card providers
• Loan providers
• Smaller businesses such as dentists and vets

It’s likely your details were forwarded to Henriksen over an unpaid debt when you get mail from Newlands House.

Should you ignore a Henricksen Limited Debt Letter?

No. It’s always a mistake to ignore a debt recovery agency whether they write, phone, text, or email you..

First, you may not find out important info about the debt. This includes:

• Discovering Henriksen is chasing the wrong person because the debt isn’t yours
• Finding out the debt is no longer enforceable because it’s statute barred and therefore, passed its limitation period
• Being offered a repayment plan you can afford
• Having some of the debt wiped off makes it easier to settle

Other things that could happen when you ignore a Henriksen debt include:

• Facing legal proceedings if the original credit wants to take you to court
• Getting a County Court Judgement on your credit file without knowing it
• Having enforcement officers (bailiffs) visit you at home and seizing possessions to cover what’s owed
• Getting an attachment on your bank account or weekly income

Check out what happened to one unfortunate person:

Source: Moneysavingexpert

Is the debt too old to enforce?

The first thing to check when you get a letter from Henriksen is whether the details are correct. Then check if the debt is statute-barred.

A court won’t take on a case over a statute-barred debt. So you won’t get a County Court Judgement either!

When is a debt too old to enforce?

Debts are too old to enforce when they’re at least six years old. However, the debt must meet specific criteria for it to be statute barred as explained below:

• There isn’t a CCJ against the debt
• You or a representative never admitted owing the money in the last six years
• You or a representative didn’t pay anything towards settling the debt in the last six years

You should write to Henriksen telling them the debt is too old to enforce. Make sure you send it via registered mail.

The debt recovery company should stop contacting you. But if they continue to chase you, file a complaint with their head office. After this complaint to:

• The Office for Fair Trading
• The Financial Ombudsman Service

Is the debt yours?

Once you determine the debt isn’t statute barred, the next step is to ask Henriksen to prove the debt is yours!

Send the debt collector a ‘prove the debt’ letter which they must respond to. It’s not your obligation to prove you don’t owe the money!

It’s up to Henriksen to prove it!

Don’t just accept a verbal confirmation over the phone. Debt collectors must provide you with solid proof. For example, an authenticated copy of a Credit Agreement you signed!

What happens when a debt can’t be proven?

You can’t be held liable if Henriksen can’t prove the debt is yours to pay. As such, the debt collector should stop chasing you. If they don’t, report them to the Office for Fair Trading and the Financial Ombudsman.

However, make sure you file a complaint with Henriksen Limited first!

What if the debt is proven?

You may have to pay if Henriksen Limited proves the debt is yours. But not before seeking debt advice from a leading UK charity!

Getting advice is essential because you don’t want to make a mistake when negotiating a debt settlement figure! The advice a debt adviser provides could be invaluable if you’re confused or worried about the debt.

What’s a fair debt settlement amount?

Most debt recovery companies will accept a settlement figure in the region of 75% of the original debt.

However, with Henriksen Limited, this could be problematic because they try to add their fees to the debt! That’s why you should seek advice from a debt expert before settling on an amount.

How do you contact Henriksen?

You should stay in touch with Henriksen Limited if you owe money on a debt. Their contact details can be found below:

What free debt advice is available?

As mentioned, you can seek advice from one of the UK’s leading charities. I’ve listed some of the major ones here:

• StepCharge
• National Debtline
• Citizens Advice

“It will only get worse” 😩

It’s cliché to say, but with debt it’s true; the longer you leave it, the worse the problem gets. 

There are straightforward and effective ways to deal with debt, but you have to know your options. 

Fill out the short form to find out about the debt solutions that could reduce your monthly payments or even write off some of your debt.

Get Started

Lastly, who is a Newlands House, Caxton Way, Eastfield Scarborough letter from?

Chances are the mail you get with the address Newlands House is from Henriksen Limited, the debt recovery company! They could be chasing you on behalf of a client.

You should check if the debt is statute-barred and that it’s not someone else’s before you fork any money over, admit, sign or agree to anything.

If, however, the debt is yours, try to negotiate a fair and affordable payment plan with Henriksen. But seek advice from a debt charity first!