If you are reading this, you’ve probably been contacted by a company called Wilkin Chapman, and now you’re wondering what to do.
First, understand that you’re not alone. Millions of people like you are contending with debt collection agencies like Wilkin Chapman, who buy other companies’ debts cheaper and seek out the debtors for large payments.
However, it’s only natural if you feel stressed or anxious. Don’t worry—we’re here to help.
Below, we’ll share all the essential details you need to know about Wilkin Chapman: who they are, why they’ve gotten in touch with you, and what steps you must take to get rid of them.
Who Is Wilkin Chapman?
Wilkin Chapman is the name of a debt collection firm located and registered in England in the United Kingdom.
Their official full company name in registration is Aberdeen Financial Limited, under which they are registered with the Financial Conduct Authority (FCA).
Wilkin Chapman is registered and authorized to collect debts in England, Scotland, Wales, and Northern Ireland.
What Does Wilkin Chapman Do?
As a debt collection firm, Wilkin Chapman is in the debt business. That means that they purchase other companies’ debts at a fraction of the original price, then employ their debt collectors to retrieve payments from debtors. Field agents may also visit you.
Who Does Wilkin Chapman collect for?
Wilkin Chapman is a business mainly engaged in collecting council tax debts from their “customers.” Besides, they also collect debts, related to county court judgment, typically for the amount of £750 and above.
As these are priority debts, there is a possibility of it leading to bailiff or solicitors action.
They may also collect for the following:
● Credit Cards
● Court Orders
If Wilkin Chapman has been in touch with you, that means you have an outstanding debt with them. But don’t pay them just yet. Follow along for what to do next.
I Have Been Contacted by Wilkin Chapman. What Should I Do?
If you have received a letter or email from Wilkin Chapman LLP, it may request you to pay a total balance, including fees and charges.
This is a mass-produced email or letter, and that might make you want to ignore the letter. You may even start to think that if you do, the problem will go away.
Long story short: it will not. Instead, your fees and charges will soon start piling on top of the total. So, it would be best if you did not ignore them.
We understand if you’re feeling anxious in the wake of being contacted by this debt collection agency but, it is imperative to know that you have multiple options in dealing with them. Don’t give them any money just yet.
What Happens Next?
The debt collection process starts innocently enough: with a letter and perhaps a telephone call. It would be best if you, act quickly; otherwise, Wilkin Chapman agents will find your address and show up at your door.
You want to prevent this. It can be pretty unsettling and stressful to think that these agents may swoop in to get their money back. But even if you can, you must not agree to a payment plan just yet.
Our advice is to start by getting in touch with an Independent Debt Advisor. There are myriad benefits of doing so, not least of which is, preventing home visits by debt collectors.
How Can An Independent Debt Advisor Help Me?
Please consider the services of an independent debt advisor. He/she can do the following for you:
● Gather information of all of your current outstanding debts
● Evaluate your assets, and property, (e.g., shares, savings, houses, cars)
● Provide you with your very own reference number. This reference number prevents Wilkin Chapman from chasing you further, including calling you and visiting your home.
All that said, you need to get in touch with an independent debt advisor as quickly as you can.
Otherwise, debt collectors can get in touch with bailiffs, who can obtain permission to break into your home, repossess your vehicle (if you have any), and/or remove your property for auction or sale (with which to make debt payments).
What Happens If I Ignore Wilkin Chapman?
If you ignore Wilkin Chapman’s attempts to contact you, you will only be making the situation worse.
Don’t be surprised if the frequency of contact increases and spills onto other channels: they might find and contact you at your job office or through social media.
Beyond this, they might begin home visits and even legal proceedings.
Not only does this mean that the company can take you to court, but the balance of the debt you owe might increase, thanks to the addition of charges and fees, which you will then have to pay.
Our advice? Please don’t ignore them, especially if you want to avoid legal repercussions.
What Do I Do If Wilkin Chapman Visits My Home?
Unfortunately, it is common for debt collectors in England to visit debtors’ homes to collect payments.
If you’re very unlucky, they won’t notify you before coming. However, they might also make an appointment with you to visit your home. In that case, you must take action to protect your property:
● Lock all of your windows and doors
● Remove any vehicles you have sitting in the driveway
● Prevent them from gaining access to your property—know that by law, they are not allowed to harass you or push past you (except in special situations)
● Contact us before their scheduled arrival time.
What Rights Does Wilkin Chapman Have?
Not very many, in the first place. As they are a debt collection agency, they have rights similar to your original creditor. They are authorized to:
● Send you emails
● Send you letters
● Call you on the phone
● Text you
● Visit your home (but not push past you).
It is important to understand that agents of debt collection companies do not have the same rights as bailiffs.
They are not authorized to enter your property without your permission or to repossess any of your belongings (including your vehicle), without a court order.
However, they can make unlimited visits to your home until your total account is settled.
What Are My Options to Pay Wilkin Chapman?
We know you’re currently in a nervous or anxious state. But don’t let those emotions drive you to agree to pay according to plans suggested to you by Wilkin Chapman.
Instead, consider the options available to you. Here they are.
● Debt Management
If your outstanding debts amount to over £2000, you might want to consider a debt management plan.
It’s an informal arrangement in which your creditors are presented with a proposition to lower the payment and to temporarily pause charges and interest.
You can initiate this yourself or take the help of a debt management company to set it up. However, know that your creditors are not bound to agree to this, so you may not be successful.
If your outstanding debts amount to over £5000, you may be b eligible for an Individual Voluntary Arrangement (IVA).
An IP consolidates all of your existing debts (including what you owe to Wilkin Chapman, of course), and allows you to pay one affordable monthly amount, usually not more than £80.
If you go with an IVA, no other additional charges and interests would be added to your balance. Also, it bars any creditors from contacting you further.
If you’re unable to pay off your debts, you have the option to declare bankruptcy. Your creditors would stop contacting you, and you would no longer have to make monthly payments.
If you wish to declare bankruptcy, you will need to submit an application and pay a fee of £680.
Who Can I Go to For Help?
If debt collection agencies are constantly chasing you and you’re unable to pay off your debts, you must aim to seek out independent debt advice without any delay.
Going to a debt charity is one of your options if you cannot afford to pay. If your debt is less than £2000, a debt charity might be able to help you.
However, note, that if you avail the services of a charity and simultaneously opt for an IVA, your fees will be similar to using a private IVA company.
Here are some of the companies you might want to contact:
How Can I Stop Wilkin Chapman from Contacting Me?
Owing money to a company like Wilkin Chapman can be frustrating and disheartening. If you want an easy solution to your problem, we request you to consider availing our services before you pay them.
Our service can help you get Wilkin Chapman off your tail. We will assist you in preventing Wilkin Chapman from contacting you further, which means phone calls, emails, letters, and visits to your home, even while you have an outstanding balance.
Once we’ve ensured that Wilkin Chapman has stopped contacting you, we’ll offer you the service of customized payment solutions to help pay off your debt in a timely and stress-less manner.
How We Can Help You
Before you decide to pay against your outstanding debt, consider how our services might be able to help you repay your debts.
If you decide to avail our services, we will do the following in your interest:
● Handle debt collection companies on your behalf (thereby ceasing direct contact)
● Consolidate all of your outstanding debt into one affordable monthly payment
● Help you find alternative solutions to paying off your outstanding debt
● Show you how to freeze additional charges and interests on your existing debts
● Provide counseling on how to escape the debt cycle of borrowing money constantly
Checking your debt options has never been easier. Try our debt calculator by clicking “get started for free” now.
Get help with Wilkin Chapman
If you are struggling to pay your debt with Wilkin Chapman, seek Independent Financial Advice now.
Wilkin Chapman LLP Contact Details
If you want to contact Wilkin Chapman LLP directly, you can contact directly using the details below:
By post: Cartergate House, 26 Chantry Lane, Grimsby, England, DN31 2LJ
By telephone: +44 1472 262626
Via their website: https://www.wilkinchapman.co.uk
Incorporation Date: 12 February 2009
Company Registration Number: OC343261
If you feel like Wilkin Chapman LLP is harassing you and want to make a complaint against them, you can get in touch with the Financial Ombudsman Service or the CSA through the following number and address:
● The Financial Ombudsman Service
Address: Exchange Tower, London, E14 9SR
Phone: 0300 1239 123
● Credit Services Association Ltd
Address: 2 Esh Plaza, Sir Bobby Robson Way, Great Park, Newcastle Upon Tyne, NE13 9BA
Phone: 0191 2170 775