Do you owe money to Cowgill Holloway Chartered Accountants?

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Cowgill Holloway Chartered Accountants

Have Cowgill Holloway Chartered Accountants visited your home or sent you a letter? Cowgill Holloway Chartered Accountants are a bailiff company who are authorised by Burnley Combined Court Centre to collect debts owed to their clients.

If you have received a letter of a card from this bailiff, contact us immediately for independent, confidential and free debt advice. We will explore all of your options, with the aim of stopping this bailiff from being able to take any further action. But you must act quickly!

Cowgill Holloway Chartered Accountants are a Limited liability partnership with a company number of OC316195.

Their address is:
Regency House, 45-51 Chorley New Road, Bolton, Lancashire, BL1 4QR

Cowgill Holloway Chartered Accountants were incorporated on 11/15/2005.

Their license was granted on 23/11/2018.

Important: Do not let Cowgill Holloway Chartered Accountants into your home, no matter what they tell you. Contact us immediately and we will try to deal with them on your behalf.

Your rights:

  • Bailiffs can not push past you to enter your property.
  • They can not enter your property between 9pm and 6am.
  • They can only enter through a door.

An enforcement agent can visit your home when you do not pay your debts on time. They usually look to collect parking fines, court fines, council tax arrears, CCJ’s and family court judgements.

Bailiffs are sometimes known as:

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

Do you need help with Cowgill Holloway Chartered Accountants?

Are you receiving letters from Cowgill Holloway Chartered Accountants? Are they sending letters to your home address or your place of business? Do Cowgill Holloway Chartered Accountants 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 Cowgill Holloway Chartered Accountants call you from a number of different phone numbers, some may even display as local phone numbers to where you live.

Will Cowgill Holloway Chartered Accountants come to my house to collect debts?

Cowgill Holloway Chartered Accountants may have appointed field agents to make home visits to discuss the alleged debt. These visits can be very distressing not only for the person who is the named debtor, but for the entire family. These methods can have a detrimental effect to your mental and physical health, and to the people around you.

These are all very common tactics which Cowgill Holloway Chartered Accountants use to get in touch with the people who owe them money. Without appointing a debt company to represent you, this may continue.

As a long-established independent debt website, we have a vast experience of dealing with creditors such as Cowgill Holloway Chartered Accountants. We understand the tactics that they use, and we can work with you to get them to stop.

How will Cowgill Holloway Chartered Accountants chase me if I don’t pay?

Creditors such as Cowgill Holloway Chartered Accountants use computer systems (often known as customer relationship management systems) to keep on top of their debtors. They often follow a debt process which will make them the most profit. These methods are often seen as aggressive and you may have seen documentaries and news articles criticising the heavy-handed nature of debt collectors and bailiffs. Although the Government have come some way to reduce their powers, the main tactic continues: intimidation.

The first point of contact which Cowgill Holloway Chartered Accountants may use will be an introductory phone call and letter. This is to set out their pre-action protocol. You will usually receive (in writing) a letter explaining the total amount of debt owed, any charges/penalties which may have been accrued and a tight deadline for you to repay the debt in full. The letter will usually mention what steps will happen if you do not pay the debt in full. These steps are usually:

  • A home visit
  • A county court judgement (CCJ), issued by Cowgill Holloway Chartered Accountants if you fail to repay the debt within this tight deadline
  • A threat of bankruptcy (usually if the debt is over £750)

Letters like this are very standard with every credit provider and not just Cowgill Holloway Chartered Accountants. It is important to not take these letters personally. There is help at hand, but you should act quickly.

If you have been contacted by Cowgill Holloway Chartered Accountants, contact us immediately and we will try to deal with them on your behalf.

How can we help?

When you first contact us, you will notice that all of our employees are vastly experienced in dealing with creditors such as Cowgill Holloway Chartered Accountants. As one of the largest debt websites in the United Kingdom, we pride ourselves in dealing with a high amount of debt related queries in an empathetic, effective and speedy fashion.

We request reviews from every single customer who we help, some of them have given very detailed feedback on how we have helped them and how it has completely changed their lives (in a very short space of time). So please check out these reviews and see for yourself!

We deal with a variety of debt solutions and a wide range of debt companies. This means that you will always find the best debt solution for yourself, without exception. As we are not tied to any one particular company, we can work hard to ensure you repay the very minimum that you need to.

What rights do Cowgill Holloway Chartered Accountants have?

Any company which chases customers for outstanding debts have to follow a very strict code of conduct. In our opinion, this still needs to be tightened up as it seems to rely on intimidation. This is usually demonstrated by the field agents who visit your home. The field agents are usually male, large in stature and they try to command authority with their tone of voice and actions.

But in reality, companies such as Cowgill Holloway Chartered Accountants are only interested in collecting as much money back in debts as they can. The welfare of the debtors is usually the last thing on their mind.

Cowgill Holloway Chartered Accountants can exercise the following rights:

  • Cowgill Holloway Chartered Accountants can send letters to addresses where they think that you live, including new addresses which you have not provided to them
  • Cowgill Holloway Chartered Accountants can call you on phone numbers which they believe you to have access to
  • Cowgill Holloway Chartered Accountants can visit you at your home, or appoint representatives to visit you at home
  • Cowgill Holloway Chartered Accountants can add charges, interest and penalties in accordance with the original agreement you entered into
  • Cowgill Holloway Chartered Accountants may have the “right to offset”. This usually happens in situations when you have a debt with a bank, but you may also have money held within that same bank (for instance a credit card and a current account)
  • If you do not pay on time, Cowgill Holloway Chartered Accountants may register a default on your credit file. This sometimes happens very quickly, but you should be given notice of this upfront. If a default is registered on your credit file, it has a very negative effect on your credit rating and your ability to gain credit in the future
  • Cowgill Holloway Chartered Accountants can apply for a county court judgement (CCJ). If a CCJ is registered on your credit file, it has a very negative effect on your credit rating and your ability to gain credit in the future
  • If your debt with Cowgill Holloway Chartered Accountants is over £5000, they can issue a statutory demand. This 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 Cowgill Holloway Chartered Accountants?

As a citizen of the United Kingdom, you are given certain rights to protect you and your family’s wellbeing.

  • Cowgill Holloway Chartered Accountants can not harass you. They contact you as many times as they want as long as this is ‘reasonable’. This does not have any solid definition but be assured that this means that you should not feel harassed by Cowgill Holloway Chartered Accountants. You cannot use this as a defence to avoid repaying your debt. You can ask that Cowgill Holloway Chartered Accountants only contact you in writing, but if you do this you must make sure that you are responsive to these letters.
  • Cowgill Holloway Chartered Accountants cannot speak to your family, friends or neighbours about your debts. This is in line with UK data protection laws.
  • Cowgill Holloway Chartered Accountants cannot pretend that they have powers which they do not possess. In the past creditors have used documents which look like official court document. A law has passed to prevent this happening now.
  • Cowgill Holloway Chartered Accountants cannot be threatening, abusive or tell lies to collect debts.

If you are worried about Cowgill Holloway Chartered Accountants, you should contact us immediately by calling the number on top of this page, or by clicking “Get Started for Free”.

This debt isn’t mine, what can I do?

If you are being contacted by Cowgill Holloway Chartered Accountants and you genuinely do not know why, then you can ask them to prove that you owe the money. This doesn’t slow down the collection process or stop any further action. But if the debt is genuinely not owed, then it can be set aside (in the event that it is a mistake).

When should I use this letter?

You should use this letter if you fit into any of the below situations:

  • If the letter is addressed to someone else but you are being chased for the debt
  • The debt is over 6 years old, and therefore they can not effectively collect it (status-barred)
  • If you know you have paid the debt, but you are still being chased for it
  • If you don’t think you owe the debt

This letter is often called a “Prove-It” letter or a “Prove the Debt” letter. Please find below a template of a letter which you can use in this event.

Dear Cowgill Holloway Chartered Accountants

I am writing in response to a letter from you dated [dd/mm/yy], a copy is attached.

I would point out that I have no knowledge of any such debt being owed to CREDITOR

I am familiar with the Consumer Credit sourcebook of the Financial Conduct Authority (FCA) which states the following rules.

“A firm must not ignore or disregard a customer’s claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer’s claim is not valid.” 7.5.3

“A firm must suspend any steps it takes or its agent takes in the recovery of a debt from a customer where the customer disputes the debt on valid grounds or what may be valid grounds.” 7.14.1

“Where a customer disputes a debt on valid grounds or what may be valid grounds, the firm must investigate the dispute and provide details of the debt to the customer in a timely manner.” 7.14.3

“Where there is a dispute as to the identity of the borrower or hirer or as to the amount of the debt, it is for the firm (and not the customer) to establish, as the case may be, that the customer is the correct person in relation to the debt or that the amount is the correct amount owed under the agreement.” 7.14.4

“A firm must provide a customer with information on the outcome of its investigations into a debt which the customer disputed on valid grounds.” 7.14.5

“Where a customer disputes a debt and the firm seeking to recover the debt is not the lender or the owner, the firm must:
(1) pass the information provided by the customer to the lender or the owner; or
(2) if the firm has authority from the lender or owner to investigate a dispute, it must notify the lender or owner of the outcome of the investigation.” 7.14.6

In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

Furthermore, ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

I would ask that no further contact be made concerning the above accounts unless you can provide evidence as to my liability for the debt in question.

I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the FCA of your actions.

If appropriate I will also take this matter forward as a complaint to the Financial Ombudsman Service and Information Commissioner’s Office.

If you have reason to believe that a valid debt exists and that the Debtor resides at this address, then please prove the debt in writing. The FCA rules say you cannot continue any collection activity until you have done so.

Sincerely,

Your Full Name

If you do owe money to Cowgill Holloway Chartered Accountants, contact us for immediate help.

Cowgill Holloway Chartered Accountants Frequently Asked Questions

If you ignore your debts with Cowgill Holloway Chartered Accountants, they have the choice of a few different approaches.

Cowgill Holloway Chartered Accountants may make a court claim against yourself. This is a cheap but popular way for them to reclaim their money. If they choose this method, you would receive a claim form through the post and you would either have to pay the money in full or dispute the bill. If you dispute the bill against Cowgill Holloway Chartered Accountants you should take legal advice, as a lot of defences will not work in this situation.

It may be possible to write off any debts that you have with Cowgill Holloway Chartered Accountants if you have a total of £6000 or more of unsecured debts. This can include loans, credit cards, catalogues, payday loans, overdrafts and any other unsecured debt.

Cowgill Holloway Chartered Accountants are a collections agency, this means that they can buy debts from a number of sources and legally pursue them. Some of the most common debts for collections agencies are council tax arrears, parking fines, benefit overpayments, loans, credit cards, telephone bills, water and utility bills.

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