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Newlyn plc

·1903 words·9 mins

Do you owe money to Newlyn plc?
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What is Newlyn plc?
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Newlyn plc are a debt collection company, also known as a private enforcement company, with a registered office in Portsmouth, England. They work with Local Authorities across England and Wales to collect their debts. These debts include:

  • Council tax
  • Parking fines
  • Non-domestic rates

They usually get involved after the council has tried to collect the debt and secured a liability order or warrant of control through the courts. At that point, Newlyn’s bailiffs can visit your home.

You don’t have to deal with them alone.

Will Newlyn plc come to my house to collect debts?
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Newlyn plc may have appointed field agents to come to your door and discuss how to repay the debt. These visits can be very distressing not only for the person who is the named debtor, but for their whole family. TV documentaries have highlighted very sad case studies where debtors have experienced mental health issues and even suicide.

Letters, calls, text messages and visits are common tactics which Newlyn plc use to get in touch with the people who owe them money. Without appointing a debt company to represent you, it can be hard to stop them.

As a long-established independent debt website based in London, we have significant experience in dealing with creditors. We know the methods that they use, and we can work with you to get them to stop.

How will Newlyn plc chase me if I don’t pay?
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Newlyn plc uses computer systems to track debts and follow a process designed to make money for them and their clients. If you’re on the receiving end, it can feel aggressive and intimidating.

You may have seen news stories or TV programmes that show how some bailiffs act. Although some rules have changed, pressure and fear are still often used to collect debts.

By the time Newlyn gets involved, the council will have already chased the debt. They’ll usually have a liability order or warrant of control, which gives Newlyn the legal power to collect money or seize belongings.

Are Newlyn plc a legitimate company?
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Yes, Newlyn plc are a legitimate Public Limited Company that is registered in England with a company number of 03770985. They incorporated in May 1999 and have a registered office address at: 3 Acorn Business Centre, Northarbour Road, Portsmouth, England, PO6 3TH.

Who do Newlyn plc collect for?
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They work with Local Authorities. They usually work to collect parking fines, court fines, council tax arrears, CCJs and family court judgements.

Do you need help with Newlyn plc?
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Are you receiving debt collection letters from Newlyn plc?

Are they sending letters to your home address or your place of business?

Do Newlyn plc send you text messages or bombard your home phone and your mobile phone with calls at all different times of day? You may even notice that Newlyn plc call you from several different phone numbers, and some may look like local phone numbers to encourage you to answer.

Read on for more support and information about your rights.

What are my rights if Newlyn are chasing me?
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An enforcement agent has the right to visit your home when you do not pay your debts on time, or if you have not responded to communications from the debt collection agency.

UK citizens have the following rights when dealing with a debt collector

  • Bailiffs can not push past you to enter your property
  • They can not visit your property between 9 pm and 6 am
  • The company can not lie to you or claim to have powers that they do not
  • They are not allowed to harass you, bully you, use threatening language, or physical violence
  • They can not enter your property if only children are present.

How can we help?
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Our team at IVA Advice have substantial collective experience in dealing with creditors. As one of the largest debt websites in the United Kingdom, we pride ourselves on helping so many people turn their lives around by taking control of their financial situation.

We request feedback from every single person that we help. Some of them have given very detailed feedback on how we have helped them completely turn their lives around in a short space of time. So please check out the details of these reviews and see for yourself!

We deal with a variety of debt solutions and a wide range of debt companies. This point means that you will always find the best debt solution for yourself, without exception. As we do not have ties to any one particular company, we can search for a solution that means you repay the minimum amount possible. We break the process into a set of simple steps.

What rights do Newlyn plc have?
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Any company which chases customers for outstanding debts must follow a stringent code of conduct. In our opinion, this still needs to be tightened up. We see so many cases of intimidation amongst the people who come to us for help. For example, field agents are usually male, large in stature, and they often try to command authority with their tone of voice and actions.

But in reality, companies such as Newlyn plc are focussed purely on collecting as much money back in debts as they can. The welfare of the debtors is not at the forefront of their mind.

Newlyn plc can exercise the following rights when chasing you for money:

  • Newlyn plc can send letters to addresses where they think that you live, including new addresses which you have not given them.
  • Newlyn plc can call you on phone numbers which they believe you can access.
  • They may visit you at your home, or appoint representatives to visit you at home.
  • Newlyn plc can add charges, interest and penalties to your debt in accordance with the original agreement that you broke, or the powers provided by the court process.

Newlyn plc typically become involved after local authorities have already taken court action. Debt collection agencies that buy portfolios of debt, or who become involved in the collection process at an earlier stage, may exercise the following rights:

  • If you do not pay on time, they may register a default on your credit file. The company should tell you about this before it happens. If a default registers on your credit file, it has a very negative effect on your credit rating and your ability to gain credit in the future.
  • Debt collection agencies can apply for a county court judgement (CCJ). If you don’t pay a county court judgement within 30 days, it sits on your credit report for six years.
  • If your debt is over £5,000, they may decide to issue a statutory demand. This demand is usually the first step in petitioning for your bankruptcy. You would need to appoint a legal representative (usually a solicitor) to represent you in these circumstances.

What rights do I have against Newlyn plc?
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As a citizen of the United Kingdom, you have specific rights when dealing with Newlyn plc to protect you and your family’s wellbeing.

  • Newlyn plc can not harass you. They contact you as many times as they can justify as being ‘reasonable’. Of course, what constitutes reasonable contact does not have any solid definition. The critical point is that you should not feel that their approach is harassment. Please note, you cannot use any unethical collection practices as a defence to avoid repaying your Newlyn debt.
  • You can ask that Newlyn plc only contact you in writing, but if you take this approach, you must open and respond to their letters.
  • Newlyn plc cannot speak to your family, friends or neighbours concerning your debt information, as this would be a breach of data protection regulations in the United Kingdom.
  • Newlyn plc cannot pretend that they have powers which they do not possess. In the past creditors have used documents which look like official court documentation. A law has now passed to prevent this from happening.
  • Newlyn plc cannot act in a way that is threatening, or that is abusive.
  • They cannot tell you lies to collect your money, or enter your home.

Testimonials
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“Thanks so much to Ethan & Matt for guiding me through the initial process. They were professional, informative and highly supportive.““Good advice and very helpful.““Very helpful and supportive of my situation no judging talked me through the process very professional.”

Newlyn PLC Frequently Asked Questions
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Newlyn plc describe themselves as a private enforcement agency. They do use enforcement agents, also known as bailiffs, to recover money that debtors owe to their clients, often by visiting your home or a commercial property.

Sadly no. An enforcement agency has strong incentives to collect as much of your money as possible, so they are not likely to forget about your debt. In fact, they have sophisticated computer systems that enable them to keep track of everyone who owes them money.

Alternatively, you can contact the company directly through the following channels:

Please remember your Newlyn Reference Number to hand when contacting the company. You should be able to find this on your debt letter.

They are an enforcement agency that works to collect debts relating to local authorities.

If you have complaints relating to the way that the company has treated you, then you can make a complaint directly on their website at https://newlynplc.co.uk/complaints/.

Making a complaint is unlikely to bring a stop to their collection procedures.

In this case, you can raise your complaint with the local authority that your debt relates to. Local authorities may decide to refer your complaint to the Local Government and Social Care Ombudsman.

They accept the following types of payments:

  • Credit card
  • Debit card
  • Paypoint
  • Postal order

Their website states that they may agree a ‘payment arrangement’ if you are struggling to afford your debt. This arrangement is essentially a payment plan, in which you will pay your debt with instalments. To qualify for this type of repayment plan, you need to supply the following evidence:

  • Three months of bank statement
  • Wage slips for the last three months
  • Proof of any benefits that you receive

At the time of writing the FCA do not list the company as one of the businesses on the Financial Services Register.

The company operates in line with the code of conduct for The Civil Enforcement Association (CIVEA). They also follow the ‘Taking Control of Goods: National Standards for Enforcement Agents’ guidance that is issued by the Ministry of Justice.

Bailiffs are now called enforcement agents. They have legal authorisation to recover debt, usually following a court order, by visiting a private home where the debt relates to consumer debt. Agents may visit a commercial property, where the debt refers to a business, for example, commercial property arrears.

People also refer to these individuals as:

  • Civilian enforcement officers
  • County court and family court bailiffs
  • High court enforcement officers
  • Certificated enforcement agents

Yes, you will usually receive a formal notification letter from debt collection agencies before an organisation refers your debt to the courts and enforcement agents. In the case of Newlyn plc, they typically become involved once local authorities have taken your case to court.