Challenging Consumer Debt

You may be repaying a debt that you do not legally owe. If you are in a debt management plan where you are paying off several creditors each month, your agreement could be void depending on whether the consumer debt has been purchased correctly by another company.

There are many ways in which loan agreements can be challenged and, in some cases, written off. HNK Solicitors have a team of expert lawyers who have years of experience in handling consumer debt cases and helping clients to significantly reduce their debt or get out of debt completely. If you are in debt of £4000 or more, contact HNK today for a free no-obligation consultation to find out how we can help you.

Step 1

Get in touch using our contact forms or any details provided throughout the site.

Step 2

We arrange a free consultation with you to discuss the case

Step 3

If accepted we will action your case on a no win no fee basis.

What we can do

The Consumer Credit Act contains strict provisions on what regulated agreements need to contain. If these provisions have been missed or incorrectly stated, then there are grounds to argue the agreements may be unenforceable which makes it possible to seek to reduce or extinguish, any amounts owed.

Debt purchasers must prove they have the legal right to collect a debt. To do this the debt buyer must show an unbroken, valid, chain of assignment back to the original creditor. Most debt buyers cannot do this and therefore they can not legally ask you to repay them the debt.

HNK Solicitors are experts in:

Analysing assignments of debt
Challenging the validity of Consumer Credit Agreements
Identifying any possible breaches of Financial Conduct rules
Challenging the legality of any assigned loan agreement regulated by the Consumer Credit Act

How it works

The evidence problem starts with the original creditor. Very few creditors keep copies of the credit applications with consumer’s signatures or even a complete set of account statements.

The original credit agreements that you signed when first taking out your credit cards, bank loans or store cards should have a ‘right of assignment’ clause that states whether or not your consumer debt can be assigned or sold on to a third-party debt purchaser. Every agreement will differ, so some will not have this, meaning your creditor cannot legally sell or assign your debt to a third party. If they do so, it voids the debts you owe. Also, if the debt purchaser and original creditor do not follow the correct processes set out in the agreement, then our solicitors can prove the sale of your debt was unlawful and you will not owe this debt purchaser any money.

Case Study

Image of a handcuffed woman with her hands behind her back stood on a road in front of a blue car

HNK Solicitors secured £6,500 in a claim against Hampshire Constabulary

HNK Solicitors have secured a settlement of £6,500 from The Chief Constable of Hampshire Constabulary on behalf of a client. The client, who will be referred to as P, received damages following an incident at her home address in April 2022. This case shows that those who are mistreated by the police should consider seeking compensation. A civil action against the police claim can help the victim move past the incident and compensate for any...

How we can help

To correctly assess your situation, we will need you to provide us the names of the creditors you are paying and their reference numbers (if you know them). Provided we are of the view that your debts have been purchased by the third party, we will write off to the creditor and will request documentation from them to enable us to assess the validity of your debt.

If we discover the sale of your debt was unlawful our team of expert solicitors will come up with a plan of how we will legally write off or make your debt unenforceable.

Contact HNK today to find out if you qualify to challenge your consumer debt. We have a team of specialists who have years of experience in challenging consumer debts and have helped people all over England and Wales to write off debts they have been struggling to repay.

To date, we have written off over £1,000,000 (1 Million) worth of debts for our clients.

Free Consultation

HNK offers a free no-obligation consultation either over the phone, via email, in our office, or a place that suits you. We can provide you with free advice on whether you have the right to challenge your debt and how best to pursue it.

We do all the work for you

We do all the work for you including contacting creditors on your behalf. Once we accept instructions from you, we contact the creditor to inform them we are acting on your behalf and all contact will then go through us.

We present a resolution

If we determine your debt is unlawful, we will present the evidence to your creditor along with a recommendation for a resolution which could be to have the debt written off in full. We continue to act on your behalf until a successful resolution has been negotiated.

FAQ

What level of debt do I need to be in for you to investigate the validity of my debts?

To instruct our firm to investigate the validity of your debt, you must be in £4,000 or more worth of debt. Unfortunately, we cannot accept instructions from clients with less than £4,000 worth of debt.

Do my debts need to have been sold to a third party for you to investigate the validity of my debts?

Yes, we can only investigate debts that have been sold on to third party companies. Unfortunately, we cannot investigate the validity of debts if they remain with your original creditor and have not been sold on.

How do I know if my debts have been sold on?

If you are in a debt management plan, contact your debt management company and ask them whom you are paying your debts to and whether the debts have been sold by the original creditor. Your debt management company is under an obligation to provide you with this information.

If you are not in a debt management plan, yet you pay a third-party company whom you did not lend money from, it is likely that your debts may have been sold on. Simply contact the company you are paying and ask them whether they purchased your debt from the original creditor or whether they are acting on behalf of the original lender as a collection agent.

What do you investigate once I have instructed you?

Once you have instructed our firm and have agreed to our terms of business, we get in contact with your creditors to establish whether they followed the correct rules and procedures when they purchased your debt. In accordance with the Consumer Credit Act 1974, original creditors who have sold your debt have rules they must follow, as do those companies who have purchased your debt. From our experience, many creditors fail to adhere to the rules required by law. When the rules have not been followed, this may mean that your debt is unenforceable.

What does it mean if my debt is unenforceable?

If after we have conducted our investigation into the validity of your debt, it is found that your debt is unenforceable, this means that you cannot be forced via the Courts to pay your debts. In short, the company that purchased your debts is unable to take you to Court to enforce the money which you originally borrowed.

What are the names of companies that purchase debts?

There are many companies with the UK that regularly purchase debts from original lenders. Common names to look out for are:

• Lowell
• Cabot
• Moorcroft
• Link Financial
• PRA Group
• Robinson Way
• Debt Managers

Can’t find what you’re looking for?

Let us know what you’re looking for and we will get back to you as soon as we can.

SPEAK TO OUR TEAM

Call us on - 0151 203 1104 | Email us at - enquiries@hnksolicitors.com

Higgs Newton Kenyon Solicitors

4.5

Based on 170 reviews

review us on

Ellen Brown

08:39 31 May 23

Positive service. Treated me with kindness and respect. Didn't make me uncomfortable whilst doing their enquiries.Kept me in the loop at all times and helped me come to a decision that best suited me.Thank you to Michael Wharton for making the effort to help me :)

Al Tommo

20:09 19 May 23

Very good service, couldn’t be happier with how they handled my claim and we also got justice and compensated rightly! 5 stars 10/10 does what it says on the tin thank you to the team at Hicks Newton Kenyon

••

06:45 13 May 23

I was arrested under suspicion of several offences (was not charged with any). This was very Concerning since I was a top law student at the time, gaining a mid 1st for my criminal law work and Human Rights work - The solicitor at this firm involved in my case against the Police clearly knew nothing about criminal law, evidence or HR’s. As none of it happened, I was merely acting within my human rights, hence why the CPS ordered the Police to drop the whole case against me, which they did and with NFA.The solicitor at this firm dealing with my matters should not be a solicitor, as she does not know the law! She was also extremely rude, would not allow me to speak (kept interrupting and talking over me ) was entitled and patronising!I think they updated me just twice in a year!! I will be reporting this firm to the SRA, who are their regulatory body. Absolutely disgusted and a disgrace to the profession.Yes, I was a real client of theirs and this is a bona fida review - I am not at any liberty to give my name, if I don’t wish to.

brian morhan

17:01 26 Apr 23

Absolutely brilliant. They kept me in the loop throughout the process. I am very happy with the result. Very professional team. I would 100 percent recommend them. Thank you Michael.

Gary Jones

18:13 16 Mar 23

A rare combination of a very professional company coupled with excellent staff who are equally caring and understanding in their appraoch, brilliant.Highly recommended.

Dan Malcom

17:27 09 Mar 23

who is michelle mcmahonwhy is hnk solicitors Instagram account full of fake followers bot accounts and purchase to follow accountswhy does hnk solicitors most predominantly deal with cases involving white caucasian males and white caucasian females paying out more within the tens of thousands to the hundreds of thousands when white but if any other colour race or religion pays out lesshow much much does each solicitors at higgs newton kenyon solicitors make if most cases are worth £5000 with a waiting time of (12) twelve months

Ashley whitehouse

10:11 27 Feb 23

I was assaulted which was a bad experience and left me with a head scar. I decided to use Higgs Newton Kenyon and overall I was impressed with the service they provided me.I was happy with the outcome and I would definitely recommend them.

amber-marie shoemark

16:30 24 Feb 23

Highly recommend using higgs Newton Kenyon solicitors I most definitely got my justice I deserved could not of done it with out Michael support I got the support and help the very first day Michael got in contact with me and all the support carried on all the way to the last day

M Edgerton

13:29 30 Jan 23

I contacted Higgs Newton Kenyon over a distressing experience with the police and feeling very vulnerable. Lynne Hughes helped me with my case and was really understanding and empathetic. It meant a lot to have someone speak for me and the outcome of the case was better than I expected. Thanks to their service I have been able to put this experience behind me and move on.Would recommend.

Charlie Abbott

10:17 30 Jan 23

I received a fantastic, professional service from start to finish. Most importantly I got the justice I deserved due to the hard work of my case handler Lyne Hughes. I would highly recommend Higgs Newton Kenyon Solicitors.

Aaron McLeod

18:34 15 Nov 22

Fantastic solicitors, they explained everything to me in great detail, I understood everything they said, always kind and well mannered on the phone and email, great experience with them. Will definitely use them again if need be in the future.

Funandplayful carmella

17:48 10 Nov 22

Highly professional & thorough. I'm very happy with the service this firm provided & empathy shown & seeking justice on our behalf thank you for all that worked on my case especially Mrs L Hughes.

robin mohamed

18:27 18 Oct 22

Higgs Newton Kenyon took on my case when others had said they would not. The Paralegal kept me updated as things progressed and I am very impressed with the outcome and the overall handling of my case.Once again thank you for your services and I would highly recommend.

Wonders of London

08:53 23 Sep 22

They helped us with a claim against police for false imprisonment (stop and search). Very happy with the level of service provided and with the settlement achieved. We will now use the money we got to help someone in need here in London.

yard ski

12:33 23 Jul 22

I would recommend HNK solicitors as they offer a first class professional service. Call back's and emails to update me with my case and the staff were excellent. Thank you Helen and the team.

Mohammed Abdelmoniem

16:29 11 Jan 22

Absolutely an amazing firm and I would highly recommend them to anyone who has a similar case. I was wrongfully arrested for a crime that I did not do and I approached this firm HNK Solictors for some help and support. After viewing all the evidence, they took the case on. It took a year for the amazing good news to come out. Their hard work and dedication including their professional skills and expertise, has given me the result that I was hoping for. Vivian Lee was amazing and her professional manner in which she dealt with me and the case was remarkable. Well done, Vivian and keep up the good work. Fantastic work!

Ansar Hussain

15:16 24 Nov 21

Absolutely amazing firm took my case on against the police after wrongful arrest and detention. They were very professional,informative and efficient. As I was advised by them that I had a strong chance of success and success is what they delivered. Jessica Smith thank you for all your hard work.

Maddox Xx

12:03 23 Nov 21

Brilliant Firm and people to deal with, Jessica and the team were professional, i could not thank them enough for resolving my case in a timely manner and keeping me updated through out the whole process. Highly recommend them

Jon Barnes

23:17 17 Nov 21

Like to say thank you to the team who help win the case against the police. Very efficient and professional. I will definitely recommend 👌

Vickie Watson

01:38 12 Nov 21

Great solicitors. Michael was very helpful and friendly and I would like to say thank you for his help. Definitely recommend these solicitors. Thank you 🙂🙂

Ciara Beveridge

11:31 10 Nov 21

Very quick to get everything sorted. Would phone me and update me on the progress. Highly recommend

christine stockwell

07:26 30 Sep 21

Higgs Newton Kenyon Solicitors have been brilliant even through the pandemic, it must be hard to do, they are very informative all the time great value and kind thank you

Frances SJ Finch

10:04 28 Sep 21

I can’t quite put into words how brilliant these solicitors are, they provide a fantastic service and are very gentle when discussing sensitive subjects. Michael has been so incredibly helpful and I would like to send him a massive thanks for everything he has done for me. The receptionist has always also been very polite, friendly and welcoming and I would also like to thank her for supplying a kind atmosphere whenever I have needed to contact the team.

Danny Owen

14:12 09 Aug 21

Highly recommended, I had a claim against the police for an unlawful stop and search and false imprisonment which was has been settled with compensation. I had to put very little effort in and I was kept continually up to date. Vivien Lee dealing with my case could not have been more polite professional and helpful. I won’t be using anyone other than HNK solicitors from now on.

Arome akubo

20:34 04 Aug 21

These guys practically won me some cash from BA data breach case. They initiated it and executed it with utmost professionalism without me breaking a sweat. I fully recommend them without any reservations.

Stephen Johnson

19:02 02 Aug 21

Absolutely amazing helped me get a good result against merseyside police. very quick and professional definitely would recommend them to anyone will use again ..thank you guys

Tuyet Olvestedt

10:06 14 Jul 21

Very attentive and thorough service.They communicate regularly and clearly via phone and email. Would absolutely recommend them.Many thanks

Marie Louise Rothwell

10:51 05 Jul 21

I am very happy with the service I got they were ever so good at dealing with my matter and very polite. They were also very helpful with giving me great advice I would definitely use their services again in the near future I am very happy with the outcome of my case

Stephen Stratton

10:09 28 Jun 21

Following repeated violations and data protections concerns by the police I was able to secure a settlement which I am very happy with. Demi and her team were helpful, professional and informative throughout. I would highly recommend contacting HNK Solicitors for initial advice with any legal matters.

Sandra Williams

11:26 23 Jun 21

After a very Violated experience with the police, my solicitor Demi was there step by step, keeping me up to date with everything. If I ever needed Higgs Newton Kenyon I again I wouldn't hesitate to contact them. Thank you.

Jason Patrick

19:46 10 May 21

I would highly recommend this firm. They have acted on my behalf twice now and have successfully won compensation for both cases. They are a very professional team of solicitors with expansive knowledge of the law. If you want a good result with sound honest advice, then this firm is in my opinion one the best and not afraid to challenge injustice.Thank you,Yours sincerelyJason Patrick

Lauren Jade Dougan

12:47 20 Apr 21

This firm is absolutely amazing. I have been so pleased with how my case was handled and the solicitors kept me informed every step of the way. I am also very pleased with the outcome. I would definitely recommend this firm to anybody.

frederick moore

20:07 08 Apr 21

Excellent company to deal with. Highly professional, responsive to client needs and very thorough. Would recommend.

Megan Maloney

14:05 08 Mar 21

So happy with my results worked with Micheal he won my case couldn’t be any more professional at what he does so happy With the outcome thank you so much Micheal .

Charmaine Galley

14:11 07 Sep 20

I can't thank you all enough for the hard work you put into my case. I'm so very grateful xxx

Jeepaz Creepaz Music

09:45 25 Aug 20

Our go to when one of your artist was wrongfully arrested by the police. They helped us to resolve the issue in a timely fashion.

HNK are experts in the field of...

Actions against the police

Data protection claims

Road traffic accident claims

Criminal Injuries Claims

Challenging consumer debt

Slips, Trips And Falls

Accidents At Work

Product Liability

British Airways Data Breach

Sexual Abuse Compensation

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