Are Able Investigations and Enforcement Services Debt Collectors chasing you about an outstanding debt? Do you owe money but feel you will be unable to repay it? Are you concerned about being asked to pay debts you don’t believe you owe? Are the debt collectors saying that they plan to take you to court? If these sound familiar or you have any other concerns regarding Able Investigations and Enforcement Services Debt Collectors, this article is just for you!

Who are Able Investigations and Enforcement Services?

As their name suggests, Able Investigations & Enforcement Services provide a range of investigation and enforcement services. They trace missing people, undertake surveillance, perform process serving and recover debts including recovering debts via repossession.

They also remove people such as squatters, travellers and protestors from properties. If required, they can help clean up sites after those people have been removed. They have a team of SIA approved security guards who can help to prevent those people from returning.

They have been in business since 1993 and have membership of a number of professional organisations. Their team includes people who used to work for the police and the armed forces as well as a number of certified High Court Enforcement Officers.

They are based in Bristol although they operate throughout the UK. They can also trace people and recover debts anywhere in the world. Their clients include a number of councils, legal firms, commercial organisations and landowners

Why Able Investigations and Enforcement Services Debt Collectors are contacting you!

As you may, or may not realise, the debt collection industry is massive! Debt collectors such as Able Investigations and Enforcement Services Debt Collectors come in several shapes and sizes. Many debt collection agencies operate independently, some may also act as a business arm of a creditor such as a credit card company, banks etc or whoever you owe the original debt too. Some people even operate as sole trader individual debt collectors.

Debt collectors of all kind have a business model which relies on them purchasing debt at a fraction of the face value, often for as little as 20% of the face value, and they make their money by collecting all or some of the debt. There are not many morals involved in this process. As far as they think about it, it is your debt and as such, you have the responsibility to repay it. They do not particularly care about you and your individual situation.To sum it up, they are usually not particularly nice people. The Office for Fair Trading (OFT, 2010) has recently acknowledged that, unfortunately, poor practices amongst debt collection businesses “appear to be widespread”.

Do you really owe this money?

Do you recognise this debt? If not, the first thing you should do is establish where the debt came from and how much you owe. It may be the case that the original debt, if it does in fact exist, has increased greatly by a number of charges and interest, and it may end up being much more than you originally perceived it to be.

If in any doubt, you should write to Able Investigations and Enforcement Services Debt Collectors and as them to send you the original credit agreement. If they refuse to give you this, you do not have any obligation to pay this.

Can you just not pay your debt?

If you the debt is in fact yours, you do have a responsibility to pay it back, and you should do so. Obviously, you should only do this if you can realistically afford to to do so. If you are not in a position to repay it, or if doing this would prevent you from being able to pay more important bills such as your rent or mortgage, you should try to make an arrangement with Able Investigations and Enforcement Services Debt Collectors. They may even accept a partial repayment.

How debt collectors can make your life miserable

Unfortunately, there are many debt collectors who use a range of questionable tactics that may be fall foul of the law. The tactics could include pressuring and bullying you into making payments, frequent phone calls which may even be made to your place of work, and threats, which are often empty!

It is true that being hassled by Able Investigations and Enforcement Services Debt Collectors may have a negative impact on your day to day life, which could lead to you feeling distressed, suffering from mental health problems. Some people have been reported to consider suicide due to the treatment of debt collectors. The debt support trust reported that as many as half of people with debt problems, will, at some point, contemplate suicide. It was also reported that a coroner raised concerns about the practices of debt collectors, as a result of the suicide of a courier who was suffering from severe debt problems. In their studies into mental health and the debt industry (Walker et al, 2012), researchers from Brighton University reached the conclusion that: “Debt clients frequently feel humiliated, disconnected and entrapped, with the process of debt collection having a clear impact on people’s mental health”. The government were brought in to deal with this ever increasing problem, which they done and now there are legal obligations for those debt collection companies who are not complying with the law.

Able Investigations and Enforcement Services Debt Collectors and the law

The Office for Fair Trading (OFT, 2012) has a set of guidelines which were published for the debt collection business. In summary these state that Able Investigations and Enforcement Services Debt Collectors should:

  • Debtors must be treated fairly, and the debt collection agency should not resort to any improper treatment to get payment.
  • Ensure transparency and clear, concise information that does not mislead or confuse the debtor.
  • Understand the difficulties faced by debtors, and show consideration towards them.
  • Take the debtors individual circumstances into account, before deciding what action to take.

If you feel intimidated by Able Investigations and Enforcement Services Debt Collectors and they are failing to abide by the guidelines, you will be able to report them to the OFT, and they will have the power to remove their license.

In some cases debt collectors will even pretend that they are an external agency when they are actually a business arm of the company you have the debt with. That is a clear lie and you can report them, but they will probably claim that the information is clear of the small print.

How to understand the way Able Investigations and Enforcement Services Debt Collectors operates

If you have awareness of how debt collection agencies operate, you are in a much better position to be able to deal with them appropriately.

They receive a bonus

The Able Investigations and Enforcement Services Debt Collectors agents who try to reach you, are highly likely to be so persistent as they receive an incentive, which means they have an expectation to bring in a certain amount of money each hour. They may have both daily and monthly bonuses and the more money they take in, the more money they make towards their bonus. This is why they will stop at nothing to collect the money, instead of having to record a “No Payment” call. They may even try to intimate or bully you into making payment.

The bottom line is that if you can stay strong and deal with these unsubstantiated threats from Able Investigations and Enforcement Services Debt Collectors, knowing that the threats are usually empty, you may be able to turn the tables. You should never pay, if you can’t realistically afford it. It is important to make some kind of payment, but not to the detriment of other essential bills.

They may have call technology in place

It can be highly tempting to just ignore the calls from Able Investigations and Enforcement Services Debt Collectors, but this might not work too well if the agencies have automated call technology in place, which will just keep continuing to to phone you say as frequently as every half hour until you get fed up and just answer. You may even find that when you do pick up the call, there is no one on the other side. This is because calls are simply being made to intimidate you.

If you are receiving these kind of calls, you have the right to take a note and report this. This kind of behaviour on the part of the debt collectors will be in breach of the OFT guidelines. As a result, you can inform the agent that you are going to report them to the Financial Ombudsman.

The good, the bad and the ugly

The debt collection agency may resort to playing with your emotions, which can often prove to be highly effective. When on the receiving end of this kind of approach, it is highly likely that you will have to face relentless calls, many of which are on the verge of being bullying. They often mix this with the a friendly call in the midst of this, to really throw you off course. This attitude change may even occur in the same phone call, where the agent begins with a polite attitude, but when you can’t fulfil the payment plan, their behaviour may become quite abusive. It may not even be confined to phone calls. They may even send letters which are abusive or sinister. This process is designed to wear you down, so that you do what they ultimately want, and that is to make payment.

What if they have talked to third parties

If you don’t answer the call, the agent may try to embarrass you by talking about your debt and financial problems with someone else instead. This may be a family member who answers the call at home, or it may even be someone at your workplace. As discussing your debt with someone else is an act of illegal behaviour, this breaches the OFT guidelines, as well as privacy laws, and it should be reported.

This kind of behaviour should be reported to the Financial Ombudsman on 0800 023 4567 or 0300 123 9123

The lies and deceit

If all else fails, there are many debt collectors who fail to abide by the law and they will use some of the worst tactics to get hold of their payment.They will sometimes say that they are calling from the court, or they are a bailiff and are planning to visit your home to remove your possessions. They may even threaten you with criminal prosecution.

You should never allow them to visit you and if they do, you should not allow them access to your home. If you ever feel that you are in danger, you should contact the police and inform them of their behaviour.

How they can wear you down

We have seen many occasions where debt collectors such as Able Investigations and Enforcement Services Debt Collectors are persistent in their behaviour and this could be responsible for people suffering from mental health issues and even contemplate suicide in some cases. It is not easy to stand up to Able Investigations and Enforcement Services Debt Collectors; you need strength and courage, that is not the norm for most people. If you need it, there is help available to you. There is always a way to get out of debt, but you should deal with this in a controlled manner, as this will help ensure you don’t end up in highly stressful situations with debt collectors. There is always a way to get out of debt problems.

How to get help with your debt

There are all kinds of help available if you want to get out of debt. There are the not-for-profit agencies who will provide you with one-to-one help and advice, and there are also commercial debt management companies who will offer their services to make money out of you. You should always go to the free help in the first instance, and some of the most popular free support organisations include:

  • Citizens Advice Bureau (CAB) who provide help and support with your debt and may be able to help stop debt collectors getting in touch with you, as long as your are able to show that you are looking for help about your debt and are you are attempting to repay your debts.
  • Christians Against Poverty (CAP) provide free debt help.
  • StepChange provides free online debt advice helping people take charge of their debt.

How to completely wipe off your debt

You will be able to write off your debt if you enter into an Individual Voluntary Arrangement (IVA). An IVA is a formal agreement which you enter into to pay the debt collectors a set amount which is affordable to you, as a one-off sum or monthly payments. The remainder of the debt will then be written off after a period of usually five years. This process should always be carried out by an insolvency practitioner.

Another option is a Debt Relief Order (DRO). There are exceptions to this, as you must have only £50 or less each month once you have paid your household expense. You cannot own your home or have other assets which are worth over £1000.

To conclude

Although there have been warnings from numerous organisations, as well as the introduction of government guidelines, and many other measures designed to curb the behaviour of a range of debt collecting agencies, there are still many failing to adhere to this. You don’t just need to take this though, there are agencies who can help, many of which have been mentioned in this article. You can’t just decide not to pay, but will be able to reduce the amount you need to repay and you can also spread the repayments over a specific period that suits you. You will be able to stop their behaviour by reporting them to the Financial Ombudsman, and in the worse case, they could lose their licence.

Able Investigations and Enforcement Services Contact Details

Address:
1 Riverside Business Park, St Annes Road, Bristol, Bristol, BS4 4ED

Registration Number:
8193035

Incorporation Date:
8/28/2012

License Granted:
23/03/2018

Also Known As:
Able Investigations & Enforcement Services Limited
Able Investigations & Enforcement Services Ltd
Able Investigations & Enforcement Services Group
Able Investigations & Enforcement Services Bailiffs
Able Investigations & Enforcement Services Debt Collectors
Able Investigations & Enforcement Services Debt Collection
Able Investigations & Enforcement Services Agency

FAQs

What will debt collectors do if you ignore them?

Able Investigations and Enforcement Services purchase the debt from other companies, because they have been unable to get the payments from you. They buy the debt at a much lower price than the face value, with the ultimate aim of collecting the money from you and making a profit.

Are Able Investigations and Enforcement Services allowed to start court action?

If you fail to respond to debt collectors, there is every chance that they will get doorstep collectors involved. Additionally, they may also apply for a County Court Judgement, as, if this is successful, it would encourage you to pay and would show on your credit report.

Are you going to go to jail for debt collections?

Able Investigations and Enforcement Services may say that they will take you to court to try and claim the money you owe. If they do take you to court, you will end up receiving a County Court Judgement letter.

What will happen if I ignore my CCJ?

You will not go to jail as a result of debts you owe to debt collection agencies.

Are Able Investigations and Enforcement Services able to issue you a warrant?

If you ignore the CCJ you don’t need to worry about ending up in prison, however, bailiffs may end up visiting your home to collect some of your goods, which will be equal to the value of the debt you have accumulated.

Are Able Investigations and Enforcement Services bailiffs?

Able Investigations and Enforcement Services are not permitted to issue an arrest warrant or get you sent to prison. At the very most, they will be able to request that you get a CCJ and in the event that this is successful, they are able to send bailiffs to your property in order to recover goods to cover the debt owed.

Can Able Investigations and Enforcement Services visit your house?

Able Investigations and Enforcement Services are not bailiffs but they can request a County Court Judgement which could result in the courts sending bailiffs. This would only happen if you have already received a number of warnings.

Can Able Investigations and Enforcement Services force entry?

Able Investigations and Enforcement Services will sometimes send debt collection agents to your home, however, they do not have legal powers, so you can either ignore them when they come to your home, or you have the right to tell them to go away. If you have received a County Court Judgement then the courts could instruct bailiffs to come to your house.

Will Able Investigations and Enforcement Services give up?

Able Investigations and Enforcement Services cannot force entry, they have no legal powers over you. However, if you receive a County Court Judgement then the courts may instruct bailiffs to come to your house.

Is there an expiry on the debt?

Able Investigations and Enforcement Services will probably not give up on trying to obtain the debt payments, until they have tried every possible legal action, especially if the value is high. They could realistically chase you for the debt for 6 years.

How long can they legally chase you for debt?

There is an expiry date to debt. Under the Limitation Act 1980, there is a maximum of 6 years for the debt to be chased. The 6 years counts from last payment or the last time you were in contact with the company.

Can debts be written off?

The Limitation action 1980 states that debt collectors can legally chase the debt for up to six years from the last payment or the final contact you had and acknowledged the debt. If a County Court Judgment is taken out against you, the Limitation Act is no long relevant and you may be chased for any period of time.

About the author

Scott Nelson

Scott Nelson is a financial services expert, with over 10 years’ experience in the industry, including 6 years in FCA regulated companies. Read more
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