Is Thomas Higgins Bailiffs Calling You? Solve Your Debt Woes With Help From DoNotPay!
When you owe a debt that has gone to collections, you usually know about it. Why? Because debt collectors like Thomas Higgins Bailiffs will send letters and make multiple phone calls to let you know they want your money.
If this describes your reality, you are not alone. According to UK debt statistics gathered by Cybercrew, nearly 63% of the adult population in the UK entered 2020 with personal debt, while 16% are considered to be facing a significant debt problem.
If you are being contacted by Thomas Higgins Bailiffs, you probably have questions about how to deal with them before things turn for worse. Make sure you are protecting yourself from illegal harassment and decide whether you need to take steps to verify your debt before giving in to the demands of intimidating debt collections and enforcement agencies.
DoNotPay can help you navigate the frustrating process of clearing your debt and getting Thomas Higgins Bailiffs to get off your back once and for all.
Who Are Thomas Higgins Bailiffs and What Do They Do?
Thomas Higgins Bailiffs is a firm of solicitors specialising in business debt collection services. Formed in 2016, the firm is based in Wallasey, Merseyside and is fully licensed and regulated by the Solicitors Regulation Authority (SRA). Thomas Higgins is hired by their clients to contact a debtor with an official LBA letter (Letters Before Action).
In most cases, the debtor who receives the letter will quickly cough up the money rather than go to court over the issue. However, if the debtor still refuses to pay, Thomas Higgins Bailiffs are more than prepared to take legal action and use a High Court Enforcement Agent (HCEA) or Bailiff to retrieve payment.
Thomas Higgins Ltd Contact Details:
|Website||Thomas Higgins Online|
|Send an email|
|Address||Lloyds Chambers, 19- 21 Seaview Road, Wallasey, Merseyside, United Kingdom, CH45 4TH|
What Happens if I Don't Pay My Debt to Thomas Higgins Bailiffs Ltd?
If you are on the receiving end of an LBA, it is likely you are already in debt with another business that has hired Thomas Higgins to throw their weight around. If you continue to dodge your debt once Thomas Higgins gets involved, then be prepared for them to come knocking on your door. Usually, they will give you 7 days' notice before they show up on your property and, unless you want to end up paying extra charges, you do not want to end up in this situation.
Once Thomas Higgins bailiffs visit your home, they are legally allowed to attempt to recover your debt in the following ways:
- They will try to arrange a 'controlled goods agreement,' which is a repayment plan plus bailiffs fees.
- They can collect monetary items, including cash, cheques, bonds or pawn tickets.
- They can take luxury items, like a TV or game console.
- They can seize goods outside your homes, such as a car or motorcycle.
How Do I Know Whether Thomas Higgins Bailiffs Have Violated My Rights?
Facing debt collection companies and bailiffs can be extremely stressful and scary, but it's important to know that you have rights under The Fair Debt Collection Practices Act (FDCPA). This ensures that most debtors in the UK are protected against harassment and unfair practices at the hands of debt collection agencies.
This means Thomas Higgins must abide by these rules:
- They cannot phone you at unreasonable times.
- They cannot contact you at work if you have asked them not to.
- They cannot force their way onto your property.
- They cannot enter your home through your windows.
- They can only visit your home between the hours of 6 am and 9 pm.
If you believe Thomas Higgins has violated any of these rules, you may have sufficient cause for a complaint against them.
Turn to DoNotPay When You Need Debt Help!
If you feel frozen in fear at the thought of facing Thomas Higgins Bailiffs on your own, the best way to get help is with DoNotPay! We can show you what options are at your fingertips, and which course of action may be the most appropriate for your situation. Don't let collection firms like Thomas Higgins bully you beyond your rights.
Here's how easy it is to take your first steps toward debt help with DoNotPay:
- Search “debt collection” on DoNotPay.
- Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.
- Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to a professional trade association.
After making your decision, DoNotPay will handle the rest. We'll deliver your request directly to the debt collectors via first-class mail, or file your complaint automatically with the relevant trade association or ombudsman.
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