Thomas Higgins

in Debt-free wannabe
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RhyWhRhyWh Forumite
2 Posts
First Post
Newbie
Hey, are Thomas Higgins bailiffs or debt collectors? Any information on them would be much appreciated

Replies

  • sourcratessourcrates Forumite
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    They are a law firm, that offers debt collection as one of its services.

    They use the courts to obtain judgement, and it appears, to enforce them as well.
    Ex MSE Board Guide.

    More than a third of IVA`s fail....fact.
    Could A Debt Relief Order help you ?
    Never pay a fee for a Debt Management Plan.
    For free non-judgemental debt advice, contact either : Stepchange, National Debtline, or CitizensAdviceBureaux.
  • RhyWhRhyWh Forumite
    2 Posts
    First Post
    Newbie
    So they'll only chase you once they've obtained a CCJ?

  • WilfredBWilfredB Forumite
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    Thomas Higgins Limited are a firm of solicitors based in Wallasey, and as Sourcrates says they offer debt collection as one of its services. 

    In reference to your second question: "Thomas Higgins Limited are able to take cases to court and instruct Certificated Enforcement Agents if their Letters Before Action do not result in payment. In practice, most of the cases that they deal with do not get that far. However, if the Letter Before Action does not result in repayment of the debt they are capable of taking matters further." (Source)

    So basically if you do not pay in response to receiving one of their letters before action, then they can take the matter to court and have enforcement agents (bailiffs) try to retrieve payment.
  • sourcratessourcrates Forumite
    26.3K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
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    Keep in mind you may have a defence to their claim, so if you are receiving letters from them, or an LBA or an actual court claim, then Legal Beagles and Debt Camel, offer good advice on how to respond to such things.
    Ex MSE Board Guide.

    More than a third of IVA`s fail....fact.
    Could A Debt Relief Order help you ?
    Never pay a fee for a Debt Management Plan.
    For free non-judgemental debt advice, contact either : Stepchange, National Debtline, or CitizensAdviceBureaux.
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