Debt with Whyte & Co? – Do Not Pay Them Directly

If your debt with Whyte & Co is no longer affordable, you may be able to write them off.


Have Whyte & Co recently chased you for money that you allegedly owe to them?

You are not the only one. In fact, there are millions of people who are struggling with debt and are being pursued by debt collectors. But even still, this can be a traumatic experience.

We are here for your service and to give you advice. In this guide, we will discuss the steps you need to take to stop Whyte & Co in their tracks. By the end of this explainer article, you will know the steps you need to take to get your finances back on track and, at the same time, stop debt collectors from chasing you for payments.

But first, let’s look at who Whyte & Co are, why they contacted you and show you what to do next in detail.

Who Are Whyte & Co?

Whyte & Co are a debt collection agency based in the United Kingdom. Their full company name is registered under the name Aberdeen Financial Limited. 

They are registered with the Financial Conduct Authority (FCA) for debt recovery in England, Wales, Scotland and Northern Ireland. You can check out their website for more information.

Whyte & Co buy debts from other agencies at a reduced rate and use their own debt collection staff to chase customers for the debt. They also give trading services to corporate clients who have a high net worth. Other than trading, their business is to also employ field agents, who may go to your address to take back their money. 

If you have been contacted by this debt collector, then it’s likely that they have contacted you to make the repayment.

Who Do Whyte & Co Collect for?

Whyte and Co sends in a professional to collect council debt taxes. They also deal with council tax matters that are related to debt to the County Court Judgement as they are a Debt Collection company.

The value for the debts from the County Court Judgements needs to be exactly 750 pounds or above. Also, other than these, Whyte and Co collect for United utilities, Court orders, credit cards, Virgin Media, and other council tax matters.

I Have Been Contacted by Whyte & Co, What Should I Do?

First of all, our advice would be not to panic. We are here to give you a solution and get you back on track. You do not have to sell off your belongings to pay off the debt.

The letter that you have received will usually request a total balance, including charges on top. This letter will be mass-produced from a computer system, usually when they first buy the debt.

It is tempting just to ignore the first letter and hope the matter sorts itself out. But in truth, ignoring never works. You should take action without delay before fees and charges increase further.

What Happens Next?

Let’s get into the details. If you don’t want a team member from Whyte & co to come to your home, you need to act quickly to stop the debt collection process in its tracks.

Not only will they be calling you a lot of times, but they will also no doubt look to go to your address if you are not in contact with them. Of course, this is concerning, and some people can find this intimidating, but it can be avoided.

When you are at this point, you need to speak to an Independent Debt Advisor. There are many great advantages of this, doing it sooner rather than later will undoubtedly help you in the long run (and avoid any unnecessary home visits).

An Independent Debt Advisor will:

  • Look at the debt you currently have
  • Assess the assets which you own (such as houses, savings and shares)
  • Provide you with a reference number. With this reference number, you will get breathing space. Your creditors will not be able to chase you, go to your home or call you within this period.

If you do not act immediately, debt collectors and bailiff can look at escalating the matter further. Which can include:

  • Home visits
  • Car repossession
  • Removing goods from your home to pay for the debt (with the necessary court order)

What If I Choose to Ignore Whyte & Co?

If a Whyte & codebt collector or Enforcement Agent has tried to make contact with you a number of times, the next logical step for them would be to visit your house.

If this happens, it is likely that more debt is added to your account. This can make the situation a lot worse than it needs to be. So, do not ignore but think of ways to deal with the situation.

What to Do If a Sheriff Officer Breaks into Your House?

Only an Exceptional Attachment Order by the law permit can allow a Sheriff officer to break into your home. 

Howver, they have the right to enter any establishments or area that is outside of the house, such as your car parking. 

Upon entering the house, they may make you leave the premises and put pressure on you for debt recovery or repayment. To do that, they will present the necessary documents to you. Dealing with a Sheriff can be a tricky business, but we are here to provide you with the right solutions. 

Now when a Sheriff arrives at your doorstep, ask for the legal permit that allows them to enter your house. Ensure that you do not display your fear while dealing with them. 

Even if they do have the grant, they are not allowed to touch your belongings or sell them. For doing that, they need to show you a legal attachment of goods given from the court.

One thing you should keep in your mind that Sheriffs tend to show more authority or power than they actually have. They will try to intimidate you into doing the things that they do not have permission for, but don’t get frightened.

If you think they are doing so, calling for help will be the right thing to do. You will be able to file a complaint against that Sheriff by law. 

What Do I Do If Whyte and Co Visit My Home?

It is not uncommon for debt collectors or a professional from the agency to pay a visit to your address to collect debts and keep in check with the debt collecting process.

If a Whyte & coenforcement has, or if they have set an appointment to visit then you should follow these steps:

  • Remove any vehicles from the driveway to a safe place
  • Make sure all doors and windows are locked and shut
  • Do not allow them access to the property (they are not permitted to push past you)
  • Calling or texting us before they arrive is a must as we will give you proper solutions

What Rights Do Whyte & Co Have?

The simple answer is, not many.

As a debt collector, they have similar rights as the original creditor does.

At first, they can:

  • Send you letters
  • Call you
  • Send you emails
  • Text you
  • Visit your home

They do not have the same rights as bailiffsDebt collectors cannot enter your property (without your permission). They cannot repossess goods in your property, and they can’t take your vehicles or sell them, for example. But what they can do is make an unlimited number of visits to your property to take the money they are owed.

Is There a Chance of Losing My Home?

While the chances of that happening is not very likely, but it can possibly happen. Usually, your property is not used to secure unsecured debts as it is your asset. 

Nevertheless, Whyte & Co could go to the courts and apply to secure the debts you have against your property, aka your house. Therefore, there is a possibility, even if it is small, that you might end up losing your home. 

What If I Can’t Afford to Pay Whyte & CoDebt?

If you are going through this article, there is a chance that you can’t afford to make the payments. You might not have it easy and maybe in debt to many companies, which makes it harder to clear off the debt. 

Nevertheless, you have come to the right place as we will give you right debt advice and solutions to your problems. We will be dealing with your problems so that you don’t have to deal with them.

How Can I Stop Whyte & Coenforcement from contacting me?

Upon taking our service, you won’t need to worry anymore. We will stop any sort of direct contact from Whyte & Co. You will not be receiving any of those letters that are laced with threats, and neither will you get any kind of in-person visits.

Our help is not just limited to Whyte & Co, though. After enlisting our services, you won’t be in direct contact with any debt collection company. 

We will deal with your credit issues. Our aim is to free you of your debt by giving you good and affordable solutions. You will be debt-free, hopefully, if you decide to take our service. 

Knowing Your Options

It is easy to get worked up when you are being chased by debt collectors. In fact, this is a natural response that they rely on.

But before you agree on a payment plan with a debt collector, it is important to review all of your available options.

Debt Management

If you have over £2000 worth of debt, you could look at a debt management plan. These plans are informal agreements that can be set up by either yourself or a debt management company. 

The company will ask your lenders to agree to receive a lower payment and to temporarily pause interest and charges. They do not have to agree to this, and these plans are not always successful.


IVA stands for Individual Voluntary Arrangement. If you have over £5000 of debt, you may be eligible for an IVA. An IVA is a formal arrangement that is set up by an IVA company and managed by an Insolvency Practitioner (IP).

All of your interest and charges would be frozen. Your creditors would not be allowed to contact you anymore, and you would agree on an affordable monthly payment, starting at £70 per month.


If you cannot afford to repay the money, you can apply to make yourself bankrupt. The cost for this is £680. There would be no monthly repayments, and your creditors would not be allowed to contact you after you are declared bankrupt.

Who Can I Go to for Help?

If you owe money to an agency and you are being chased by debt collectors, like Whyte & Co, then you should seek independent debt advice as soon as you can. Here, at IVA TV, our main goal is to help people like you. So, the sooner you contact us for help, the faster we can help you in dealing with these debt issues. 

Checking your debt options has never been easier, try our debt calculator by clicking “get started for free” now.

What Our Help Can Do to You

We will work towards only one goal; to free you from your debt problems. For that, we will help you to make a proper payment plan. We will deal with your debt recovery, give you debt advice and a solution to all your worries.

Our service includes:

  • Breaking the chain of loans with proper debt plans
  • Give you definitive pathways to write off the debts that you can’t afford to pay any more
  • Put an end to any direct contact between you and the agency and bailiffs 
  • Offer you an affordable monthly payment by merging all the debts you have into one

How Do We Do What We Do?

We offer the most realistic, fast, simple and debt-related confidential advice to our clients. Furthermore, we do our best to get you under the IVA plan and end your debt issues for good.

Get Help with Whyte & Co

If you are struggling to pay your debt with Whyte & Co, seek Independent Financial Advice now.


Whyte & Co Details

If you want to get in touch with Whyte & Co directly, you can contact directly using the details below:

By post: Town Centre House 1st Floor West Wing, The Merrion Centre, Leeds, West Yorkshire, LS2 8LY

By telephone: +44 344 543 9002

Via their website:

Address: 7 White Oak Square, London Road, Swanley, Kent BR8 7AG 

More Details

Incorporation Date:27 January 1999

Company Registration Number:03702599

If you would like to make a complaint about Whyte & Co, you can contact the Financial Ombudsman Service or speak to the CSA, which is the trade association for the Debt Collection industry.

Frequently Asked Questions

Can Whyte & Co take my property?

If you owe money to Whyte & Co and they decide to take you to court, they may be awarded a Court Order, which allows them to instruct Whyte & co Enforcement Agents.

Whyte & co Enforcement Agentshave greater rights than normal Debt Collectors.

Because Whyte & co enforcement takes property from your household to sell towards the debt. They can also repossess vehicles that are parked on the property.

Can I write off the debt I owe to Whyte & Co?

There are a number of legal ways to write off the debt which you owe to Whyte & Co. 

You can look at formal agreements such as an IVA, bankruptcy or a debt relief order. In some circumstances, it is common that people have written off 100% of the total debt amount through these methods.

What are unsecured debts?

Unsecured debts are debts that are not secured against the value of a property or vehicle.

Typical examples of unsecured debts are:

  • Catalogues
  • Credit cards
  • Loans
  • Payday loans
  • Overdrafts
  • Parking fines
  • Utility bills
  • HMRC bills

And many more.

Are Whyte & cobailiffs?

No, they are not. A bailiff has different rights do debt collectors and should be treated differently. Read our full guide for further information on this

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