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Lender Details›HF Limited
Debt Collector

HF Limited

Also known as: HF; Horwich Farrelly; Horwich Farrelly Limited

HF Limited, trading as HF Resolve, is a UK debt recovery law firm that acts on behalf of lenders and debt purchasers to recover consumer debts through the courts. It issues County Court claims and pursues other legal proceedings on behalf of its clients.

If you receive a letter from HF or HF Resolve, it means a creditor or debt owner has referred your debt to solicitors for legal action. This is a more formal stage of debt recovery than standard collection letters.

A letter before action from HF should give you a period — typically at least 30 days — to respond before a court claim is issued. Use this time to either dispute the debt if you believe it is wrong, or seek free debt advice and negotiate an arrangement.

Ignoring correspondence from debt solicitors is not advisable. If a court claim is issued and you do not respond, a default judgment may be entered against you, which can affect your credit file and lead to further enforcement action.

Free debt advice is available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice. These services are experienced in helping people respond to court claims and deal with debt solicitors. Contact them as quickly as possible if you receive papers.

Quick summary

Company typeDebt Collector
Trading namesHF; Horwich Farrelly; Horwich Farrelly Limited
FCA Firm Ref (FRN)Not verified — regulated primarily by SRA; FCA FRN not confirmed via web search
FCA statusRegulated by the Solicitors Regulation Authority (SRA No
Companies House no.13200208 (HF Limited); 15009228 (Horwich Farrelly Limited)
Company statusActive — converted from partnership to limited company in 2021; employee share scheme launched January 2023
Parent companyIndependent — employee-owned structure
Official websitehttps://www.h-f.co.uk ↗
Date last checked2026-06-05

Always verify this information directly with the company, the FCA Register and Companies House before relying on it.

General guidance only. Information on this page is for general reference. Ask Fin does not provide regulated financial, debt, legal or tax advice. Fields marked “Not verified” have not been independently confirmed.

Free regulated debt advice — start here

If you are struggling with debt, arrears, or feel under pressure to pay, contact a free regulated debt advice service before taking any action. These services are confidential and free to use.

StepChange Debt Charity0800 138 1111National Debtline0808 808 4000Citizens Advice0800 144 8848MoneyHelper0800 138 7777

Why someone might search for HF Limited

Received a letter, call or text
Asking for proof of debt
Who is the original creditor
Setting up a payment plan
Disputed debt
Statute-barred debt question
County court claim received
Doorstep visit concern
Getting free debt help

Before you contact HF Limited

  • 1Check the company name and any trading names carefully.
  • 2Verify the company on the FCA Register at register.fca.org.uk before sharing personal or financial details.
  • 3Check the Companies House record if relevant.
  • 4Do not share payment card or bank details unless you are certain you are dealing with the real company.
  • 5Keep copies of all letters, emails, screenshots and payment records.
  • 6If you are unsure or under financial pressure, get free debt advice before taking action.
  • 7Ask the company to confirm the original creditor and the amount owed in writing.
  • 8Ask whether they own the debt or are collecting on behalf of someone else.
  • 9Do not make any payment if you dispute the debt without first taking free advice.

Questions worth asking

These are general questions that may be relevant to your situation. They are not personalised advice.

  • ?Who was the original creditor?
  • ?Do you own the debt or are you collecting on behalf of someone else?
  • ?Can you send a full statement of account in writing?
  • ?Can you send proof of the assignment or purchase of this debt?
  • ?Can you send a copy of the original credit agreement where applicable?
  • ?Is collection activity on hold while I seek advice?
  • ?What is your formal complaints process?

Contact details

Websitehttps://www.h-f.co.uk ↗
PhoneNot verified
EmailNot verified
Registered addressOrange Tower, 11th Floor, Media City UK, Salford, Greater Manchester, M50 2HF

Always use contact details from HF Limited’s official website ↗ or the FCA Register — not from unexpected letters or messages.

Regulatory and company information

FCA Firm Reference NumberNot verified — regulated primarily by SRA; FCA FRN not confirmed via web search
FCA statusRegulated by the Solicitors Regulation Authority (SRA No. 817849). FCA authorisation not separately confirmed.
Companies House number13200208 (HF Limited); 15009228 (Horwich Farrelly Limited)
Company statusActive — converted from partnership to limited company in 2021; employee share scheme launched January 2023
Parent companyIndependent — employee-owned structure
Check FCA Register ↗Check Companies House ↗

Useful official links

↗FCA Register — verify any firm↗Companies House — company records↗Financial Ombudsman Service — complaints↗MoneyHelper — free money guidance↗StepChange — free debt advice↗National Debtline — free debt advice↗Citizens Advice — free advice

What they do

Main products and services

Commercial debt recovery; Dispute resolution; Real estate; Restructuring and insolvency; Commercial cost management; Insurance litigation

Trading names and group notes

In May 2026 HF took on a legal team from Rosling King. Won a £3 million commercial dispute on summary judgment in June 2026. Previously a leading motor insurance defence firm, now diversified.

Reviews and public sentiment

Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.

Trustpilot

1.9 out of 5 (rated 'Poor')

Not verified — number not confirmed in search results reviews

Other review sources

ReviewSolicitors: 4.7 out of 5 based on 324 reviews

Overall public sentiment

Bifurcated: Trustpilot is rated Poor (1.9/5) reflecting client complaints, while ReviewSolicitors shows 4.7/5 from 324 reviews. Reviews suggest variable experience depending on service area.

Review sources

https://www.trustpilot.com/review/h-f.co.uk ↗https://www.reviewsolicitors.co.uk/london/london/horwich-farrelly-limited ↗

Get free qualified debt advice first

Before making any payment decision or agreeing to a plan, speak to a free regulated debt adviser who can review your full situation.

StepChange — free debt advice ↗National Debtline ↗

Organise your budget before making any decisions

Before making any payment decisions about a debt, get free qualified debt advice from StepChange, National Debtline or Citizens Advice. Ask Fin can also help you understand your monthly income and outgoings more clearly — but is not a substitute for regulated debt advice. General guidance only.

Explore Ask Fin — £4.99/month

Related Ask Fin tools

My Monthly BudgetExplore →Financial Leak DetectorExplore →UK Benefits CheckerExplore →Money FinderExplore →

General guidance tools only. Not regulated advice.

Common questions about HF Limited

Why has HF Limited contacted me?+
HF Limited may have contacted you about a debt that is owed to them or to a company they represent. Always check the company is FCA-registered at register.fca.org.uk before taking any action. If you are struggling with payments or under financial pressure, free regulated debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice (0800 144 8848).
Does HF Limited own the debt or collect it on behalf of someone else?+
Some companies own debts outright (debt purchasers) while others collect on behalf of the original creditor (debt collectors). You are entitled to ask HF Limited to confirm this in writing, along with the name of the original creditor.
Can I ask HF Limited for proof of the debt?+
You may ask HF Limited to provide a written statement of account showing the amount owed, the original creditor, and any charges or interest added. It is generally advisable to seek free debt advice before making any payment on a debt you do not recognise.
Should I ignore letters or calls from HF Limited?+
It is generally not advisable to ignore contact from a debt collection company. Ignoring the contact does not make the debt go away and may result in further action being taken. However, do seek free advice before responding or making any payment.
Can HF Limited take me to court?+
If a debt is owed and unpaid, a creditor or debt purchaser may apply to court for a County Court Judgement (CCJ) in England, Wales or Northern Ireland. Getting free regulated debt advice early gives you more options. If you are struggling with payments or under financial pressure, free regulated debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice (0800 144 8848).
Can HF Limited visit my home?+
Debt collectors can visit your home but cannot enter without your permission and do not have the legal powers of a bailiff. If you are concerned about a doorstep visit, contact Citizens Advice or National Debtline for guidance before the visit.
Where can I get free debt help?+
If you are struggling with payments or under financial pressure, free regulated debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice (0800 144 8848).

Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.

Related guides and resources

GuideWhat to do if a debt collector contacts youRead →GuideDebt collector vs debt purchaser — what is the difference?Read →GuideHow to ask for proof of a debtRead →GuideHow to complain about a debt collectorRead →GuideFree debt help in the UKRead →GuideWhat is a debt collector?Read →GuideHow to deal with a debt collector letterRead →

Sources and date checks

Source URLs used in preparing this record

https://find-and-update.company-information.service.gov.uk/company/13200208 ↗https://www.sra.org.uk/consumers/register/organisation/?sraNumber=817849 ↗https://www.h-f.co.uk ↗

Date checked

2026-06-05

Next review due

Periodic review

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