Who are NightFox Investigations and Debt Recovery?

Nightfox are a debt recovery agency based in the UK, who specialises in collecting and enforcing debt repayments for creditors, usually through home visits and contact on behalf of creditors. The company works outside of the Financial Conduct Authority with offices throughout the UK and has been operating since 2016.

Why are Nightfox Investigations and Debt Recovery contacting me?

Nightfox are a debt recovery enforcement agency hired by creditors to seek outstanding debts from debtors. If you have received contact from Nightfox, likely in person, it means your creditors have hired the company to recover your outstanding debts on their behalf.

Is contact from Nightfox serious?

Nightfox are a debt recovery agency known for their aggressive in person contact and a visit from them will most often come in the form of intimidation and in person visits. The company advertise a heavy handed, forceful approach to debt recovery, with their website advertising their ‘6 ft 8in, 22st’ enforcers as a key selling point of their services.

The company has been described as ‘bullish’ in their approach to debt recovery and will employ all legally viable options of engagement to seek outstanding debts from debtors.

It is always important to remember that Nightfox cannot legally enter your home and any attempts to do so should be denied, if you feel intimidation or aggression from a Nightfox debt enforcer, you are within your right to call the authorities.

Contact from Nightfox is serious and will likely escalate as the enforcers seek repayment of your outstanding debts from your creditors.

Can a Debt Management Plan stop Nightfox contact?

Dealing with debt collection services on your own can be daunting and it’s hard to know what to do. Luckily a debt management plan can help. By contacting a debt advice company like MoneyPlus Advice, we can offer advice and set up a debt management plan that can help lower your monthly payments and find a repayment method that works for you.

More importantly, we can deal with your creditors and debt collectors on your behalf, protecting you from future contact from debt enforcers like Nightfox. MoneyPlus Advice offers judgement and jargon free financial advice, that helps you deal with your debts.

I have received a visit from Nightfox what can I do?

It’s important to remember that Nightfox cannot legally enter your property or place of residence. If a Nightfox enforcer attempts to come into your property or enter your home using force you should call the authorities immediately.

A visit from a Nightfox enforcer can be intimidating and its understandable to be concerned. It’s important to seek official debt advice as soon as possible, a debt advisor at MoneyPlus can talk through your concerns and the best course of action.

If you are able to repay your debts, it’s advised that you do so, unless you feel the claim from your creditor is inaccurate, again in this scenario seek advice from a debt advisor.

If you are unable to repay your debts, a debt plan may be your best course of action to stop further contact from debt enforcement agents.

Can Nightfox Debt Recovery repossess my home?

Though Nightfox may try to intimidate you and make claims about their abilities, they have no legal backing to make any attempts to repossess your home or possessions.

As Nightfox work independently from the FCA or any legally authorised body, they cannot act as bailiffs or enact any repossession attempts without a court order or due legal process. 

Still, if your outstanding debts remain unpaid, your creditors may file legal action against you that could lead to the eventual repossession of your home.

If your outstanding debts remain unpaid and you are struggling to repay its important to speak to a debt advisor as soon as possible.

What debts plans can help stop Nightfox Debt Recovery from contacting me further?

There are many debt management plans that can protect you from creditors and recovery agents such as Nightfox Investigations and debt recovery.  When signing up to most debt management plans, you become legally protected from creditor contact and all payments and interaction with creditors is handled by your advisor at MoneyPlus Advice.

There are a range of debt solutions that can help you more manageably repay your debts, these include:

Individual Voluntary Arrangement (IVA)

An Individual Voluntary Arrangement is a form of insolvency that allows you to write off up to 80% of your debt as an alternative to bankruptcy.
Once entered, creditors can no longer contact you directly as all contact goes through your debt management company (us!)
After making repayments over a set time, any remaining debt is officially written off.

Debt Management Plan (DMP)

A Debt Management Plan is an informal agreement between you and your creditors to payback your debts, put in place between you or a third party to help reduce your monthly repayments to creditors.

Unlike some other debt solutions, a DMP is not legally binding. Through a breakdown of your income and monthly spend, a monthly payment amount of proposed based on what you can more manageably afford, usually over an extended period.

What if I can’t afford to pay Nightfox Debt Recovery?

If you have the money to repay your outstanding debts to Nightfox, it’s best to repay them before things escalate to further contact or legal actions. Though we would always advise speaking to one of our debt advisors before agreeing to terms.

If you are unable to make your payment, a debt plan may be your best option. A debt advisor will work out a debt repayment plan, allowing you to repay only what you can afford towards your debts each month.

An IVA with MoneyPlus Advice could cut your monthly repayments by £239 a month, allowing you to repay your debts in manageable, easy monthly instalments.

How do I get help with Nightfox Debt Recovery?

If you have received contact from Nightfox Debt Recovery getting in touch with MoneyPlus Advice today is the best course for dealing with the Debt Recovery enforcers. Our website can tell you in ten minutes if you are eligible for a debt plan and the sooner you get in touch, the sooner you can be ahead of your debts.

Don’t put it off, get in touch with MoneyPlus and live better today.