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Andrew James Enforcement Bailiffs Debt – Should You Pay?

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Scott
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Scott Nelson

Managing Director

MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.

Learn more about Scott
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Janine
Janine Marsh Profile Picture

Janine Marsh

Financial Expert

Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.

Learn more about Janine
· Feb 6th, 2024
Could you legally write off some debt? Answer below to get started.

Total amount of debt?

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

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andrew james bailiffs debt collectors

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

Dealing with a bailiff company such as Andrew James Enforcement can seem scary. But don’t worry; we’re here to help guide you through it. More than 170,000 people come to our website every month for information on dealing with debt, just like you are now.

In this easy-to-understand guide, you will find:

  • Information on who Andrew James Bailiffs Debt Collectors are and why they may be contacting you.
  • Steps to check if the debt they claim is really yours.
  • Options for paying off the debt, including ways you might be able to write some of it off.
  • Advice on your rights and what the law says about debt collectors.
  • Tips on how to handle contact from bailiffs and keep your credit score safe.

Our team knows how it feels to face debt collectors, we’ve been there too. That’s why we use our knowledge to provide useful information for people so they can understand their options and make the best choices. We’re on your side every step of the way.

So, let’s start sorting out your worries about Andrew James Enforcement.

Could you legally write off some debt?

There are several debt solutions in the UK, choosing the right one for you could write off some of your unaffordable debt, but the wrong one may be expensive and drawn out.

Answer below to get started.

How much debt do you have?

This isn’t a full fact find. MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

What is the purpose of the contact from Andrew James Bailiffs Debt Collectors?

Debt collection is big business – in fact, it’s huge! There are many different kinds of debt collectors, including independent businesses like Andrew James Enforcement Bailiffs Debt Collectors, and even sole traders. Some companies even have their own debt collectors who are a part of the company. The way they work is generally the same though, they have the same premise, and that is to ensure they collect the debt that you owe.

The way the business model works for companies like Andrew James Enforcement Bailiffs Debt Collectors is that they buy the debt at a low rate, often as little as 20% of the total value of the loan, which means they make a profit when they collect payments. There is often no sympathy involved when they attempt to collect the money. You owe it, and they have every right to collect it – is pretty much the attitude debt collectors have. Don’t be surprised if they fail to show any sympathy for your situation, this is not at all unusual! They should not threaten or harass you, and if they do, help is at hand.

Andrew James Enforcement collect the following types of debt:

  • Collection of Council Tax
  • Collection of National Non Domestic Rates
  • Decriminalised Parking Enforcement
  • Commercial Rent Recovery
  • Magistrates’ Fines Enforcement
  • Execution of Inland Revenue Distress Warrants
  • Execution of Warrants of Arrest
  • Sundry Debt

Do you owe the money?

If you are unsure if this is your debt, it is important to establish where it originated. You may recognise it, but think you paid it off already, in which case, you should ask for confirmation.

It may be the case that the cost is much higher than you expected, and this is because there are probably charges and interest added to the original value.

In the first instance, write to Andrew James Enforcement Bailiffs Debt Collectors and ask them to send you a copy of your original credit agreement or other evidence that you are liable for the debt. You can use my free ‘prove it’ letter template.

Keep in mind that you are not liable for a debt that can’t be proven to be yours. Take a look at this example.

This person will have a document somewhere with their move-in date on. They could show this to their local council and, hopefully, this matter will go away.

If you are in a similar situation, don’t hesitate to contact a debt charity for some free legal advice. I have linked some options at the bottom of this page.

How a debt solution could help

Some debt solutions can:

  1. Stop nasty calls from creditors
  2. Freeze interest and charges
  3. Reduce your monthly payments

A few debt solutions can even result in writing off some of your debt.

Here’s an example:


Situation

Monthly income £2,504
Monthly expenses £2,345
Total debt £32,049

Monthly debt repayments

Before £587
After £158

£429 reduction in monthly payments

If you want to learn what debt solutions are available to you, click the button below to get started.

Get Started

Can you refuse to make the payment?

If the debt is yours, you are responsible for paying it, so it is best just to do this, for your own peace of mind (and to get them off your back!)

Of course, this is not always possible. You might already be struggling with your other payments, and paying back debt is just impossible. In which case, you should contact Andrew James Enforcement Bailiffs Debt Collectors and devise a suitable repayment plan. You may even be able to clear off the debt with a partial payment.

» TAKE ACTION NOW: Fill out the short debt form

How to get rid of some of your debt

You might be able to get rid of some of your debt with a debt solution.

There are several different debt solutions available in the UK, so I recommend speaking to a debt charity as soon as possible. Their advisors will be able to look at your finances in detail and help you work out which debt solution will work best for you.

I have linked a few charities that offer these advisory services for free below.

Debt Management Plan (DMP)

A DMP is an informal debt solution that lets you pay off your debts via a single monthly payment.

Because it is informal, it is not legally binding so you are not tied into a DMP for a minimum number of payments.

Individual Voluntary Arrangement (IVA)

An IVA is a formal agreement between you and your creditors. You agree to pay a monthly sum that is distributed amongst your debts, and your creditors agree not to contact you during your IVA.

IVAs typically last for 5 or 6 years, and any outstanding debt is wiped off when it ends.

Keep in mind that IVAs are not suitable for everyone. You need to owe several thousand pounds to more than one creditor to be eligible. You also need to demonstrate that you have some disposable income every month.

Trust Deed

IVAs are not available in Scotland. Instead, you will need to opt for a Trust Deed.

Trust Deeds work in the same way as an IVA – you pay an agreed sum each month that is shared amongst your creditors, they can’t contact you, and any leftover debt at the end of your Trust Deed term is written off.

Debt Relief Order (DRO)

A DRO is a good option for those facing financial hardship with no assets and little income.

For 12 months, you make no payments, but your creditors freeze your interest and don’t contact you.

If your finances haven’t improved during this year, you may be able to write off your unsecured debts.

Bankruptcy

If you have debts but no realistic possibility of ever paying them off, you may need to declare bankruptcy.

Bankruptcy has an unfair stigma attached to it as it may be your only way of getting a financial fresh start. That said, it is a serious financial situation that should not be taken lightly.

Sequestration

Sequestration is the Scottish version of bankruptcy.

If you have little income and no valuable assets, you may be able to apply for a minimal asset process bankruptcy (MAP). A MAP is a quicker, cheaper, and more straightforward version of sequestration, so worth considering.

Thousands have already tackled their debt

Every day our partners, The Debt Advice Service, help people find out whether they can lower their repayments and finally tackle or write off some of their debt.

Natasha

I’d recommend this firm to anyone struggling with debt – my mind has been put to rest, all is getting sorted.

Get started

Reviews shown are for The Debt Advice Service.

Andrew James Enforcement Contact Details

Website https://www.ajenforce.co.uk/
Telephone number 01792 645533
Email address [email protected]
Address Latheron Chambers, 41 Mansel Street, Swansea SA1 5SW

What is the Debt Breathing Space Scheme?

You might be worried about further debt letters from Andrew James Enforcement while you try to find a solution. It might be time to look into the Debt Respite Scheme (Breathing Space) from the government.

The Breathing Space scheme gives you a moment to get some advice or even start a debt solution. It started in May 2021 and gives you 60 days of no added fees, added interest, or enforcement action once you have passed the eligibility checks.

There are two types of breathing space that you can apply for:

  • A standard breathing space: available for anyone with debt problems. It lasts for 60 days.
  • A mental health crisis breathing space: available to those who are receiving mental health crisis treatment. It lasts for however long treatment takes, plus 30 days

Andrew James Enforcement FAQs

How do I get in contact with Andrew James Enforcement?
You can call them on 01792 645533, email them at [email protected], or write to them at their registered office address of Latheron Chambers, 41 Mansel Street, Swansea, SA1 5SW
Does Andrew James collect council tax debts?
Andrew James helps local governments in England and Wales with things like enforcement and debt collection. They are responsible for collecting Council Tax, Business Rates, Parking Penalty Charge Notices, and unpaid rent.
Is Andrew James considered to be a bailiff?
Yes. Andrew James Enforcement is a bailiff agency based in Swansea, Wales. They work on behalf of 5 Local Authorities: Breckland District Council East Suffolk District Council West Suffolk Council East Cambridgeshire District Council Fenland District Council
Could you legally write off some debt?

Answer below to get started.

How much debt do you have?

This isn’t a full fact find. MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

References

Schedule 12, Tribunals, Courts and Enforcements Act, 2007

Part 1, Regulation 10, Certification of enforcement agents, 2014.

Gov.uk, CPR – Rules and Directions, 2018.

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The authors
Scott Nelson Profile Picture
Author
MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.
Janine Marsh Profile Picture
Debt Expert
Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.