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Andrew James Enforcement Bailiffs Debt – Should You Pay?


For free and impartial money advice and guidance, visit MoneyHelper, to help you make the most of your money.


Andrew James Bailiffs Debt

Are you fed up being chased by Andrew James Bailiffs Debt Collectors? Do you owe have debt but you can’t afford to pay it back? Perhaps you are being told to pay back debt that does not belong to you or you have already paid back? Are Andrew James Bailiffs Debt Collectors threatening you with court action? If any of these sound familiar, this is the article for you.

It’s not your fault. Complaints to the Financial Ombudsman have risen this year from 830 to 2,006, so it’s safe to say that you’re not alone.

Deal with your debt today and feel amazing tomorrow.

Beating Debt Collectors

There are several ways to deal with Andrew James Enforcement and improve your finances.

Choosing the right way to tackle your debt could save you time and money, but the wrong one could cause even more harm.

It’s always best to find out about all your options from a professional before you take action.

Fill out the 5 step form to get started.

Andrew James Bailiffs Debt Collectors

Who are Andrew James Bailiffs Debt Collectors?

Andrew James specialises in collections, such as commercial debt recovery and magistrates’ fines enforcement. The company is based in the UK and has more than 10 years of experience in the industry.

Read what to do if you can’t pay back your debt.

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 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 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.

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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 Bailiffs Debt Collectors and ask them to send you a copy of your original credit agreement. If they do not supply this, or they cannot supply it, you have no obligation to pay them.

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 Bailiffs Debt Collectors and devise a suitable repayment plan. You may even be able to clear off the debt with a partial payment.

Can debt collectors really ruin your life?

Unfortunately, there are many debt collectors who employ questionable tactics that may not be in line with the law. These tactics may include putting unnecessary pressure on you to pay up, as well as threats. If they make consistent phone calls to you, this is also a form of harassment.

If you are being hounded by Andrew James Bailiffs Debt Collectors, this may have a dreadful effect on your life, which could cause emotional distress, mental illness, and in more serious cases, even suicide. According to the debt support trust, almost 50% of those people who struggle with debt, will contemplate suicide at some point. Debtors have reported feeling overwhelmed by their debt, and it doesn’t help to have debt collectors on their case constantly throughout the day. They often feel humiliated and don’t know where to turn. The problems became so severe that the government were asked to take action on these debt collectors who were acting inappropriately. They did take action and there have been changes to the laws as a result.

Andrew James Bailiffs Debt Collectors – information on the law

The Office for Fair Trading (OFT, 2012) developed a set of guidelines into place for the debt collection business. To summarise these state that, Andrew James Bailiffs Debt Collectors should:

  • Treat debtors fairly and ensure they use non-aggressive practices to recover the monies.
  • Ensure that all information provided to the borrower is clear and concise at all times.
  • Take consideration when dealing with borrowers. Ensure they understand the debt and repayment plans.
  • Not apply a ‘one size fits all’ approach but instead, take the debtor’s situation into consideration before determining action.

If you feel undermined or bullied by Andrew James Bailiffs Debt Collectors and if they are not adhering to the guidelines, you will the right to complain to them directly.

If you want to complain to the bailiff company you can use our free letter template which outlines exactly what you should say.

If you are unhappy with their response, report them to the OFT, who may determine that it is right to remove their license.

You should be aware that debt collectors sometimes say they are working externally when they are actually a business arm of the company you have the original debt with. As this is deceit, they are falling short of the law, and you have the right to report them.

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Find out how Andrew James Bailiffs Debt Collectors operates

If you want to be able to deal with Andrew James Bailiffs Debt Collectors appropriately, you need to know more about how they work.

They operate on bonuses

The Andrew James Bailiffs Debt Collectors agents phone you constantly as they are usually highly incentivised with targets and bonuses. They receive the bonuses when they get the payment from you, so this is why they will try every tactic to get you to pay. They will have questions to answer if they fail to get payments, but this doesn’t give them any reason to hassle you into paying when you can’t afford it.

The lesson to learn is to stay strong and stand up for yourself when there are threats from Andrew James Bailiffs Debt Collectors. With the knowledge that these threats are empty, you will be in a better position to know how to handle them. Don’t just pay and leave yourself unable to pay urgent bills. Only make a payment if it is affordable to you.

They use automated call technology

You may decide that you just don’t want to answer calls from Andrew James Bailiffs Debt Collectors. It might be easier just to put your phone on silent and forget all about the debt. However, you may be bombarded with calls through the use of automated technology, to the point where the calls could be disturbing other calls getting through. It is easier just to deal with the situation, in any way you can.

If they do keep calling you, this is unacceptable behaviour. The debt collectors are not permitted to do this, as it would be a breach of the OFT guidelines. You can speak to the agent and let them know that you will contact the Financial Ombudsman.

You will be able to speak to the Financial Ombudsman by phone on 0800 023 4567 or 0300 123 9123

From good to bad

Debt collectors often use a change in attitude tactic, and this can often be quite effective. With this kind of approach, you may end up receiving a relentless stream of calls, and these can often be quite abusive and harassing, but they may also be mixed with some positive, friendly calls to confuse you. The sudden switch in behaviour and attitude can happen even on the same single phone call, with the agent beginning the call politely but following this with abusive behaviour when they establish that you can’t pay up. It may not just be the relentless phone calls though. They may send you threatening letters, saying that they will take you to court or visit your home to get the payments. The process is designed to get you to the point of being so fed up, that you just make a payment, even when you can’t really afford it.

There is no doubt that it is extremely difficult to deal with this behaviour, which is why they do it in the first place. Try to stay strong when possible, and if you are unable to deal with this behaviour, you can report them to the OFT using this online complaint form.

What if they speak to other parties about your debt?

If you fail to answer the call, the debt collection agents may try to embarrass you by speaking to others about your financial problems. This may be a partner, or even worse, they may call you at work and speak to your colleagues. This is not legal, and it is breaching the OFT guidelines, together with privacy laws, and it should not be allowed.

If you are unhappy with the way they are treating you, you have the right to report them to the Financial Ombudsman on 0800 023 4567 or 0300 123 9123

Can they take you to court?

When all else fails, some debt collectors will try and go above the law and will use many forms of threatening behaviour to try and get a payment from you. They might even go as far as to pretend they are calling you from the court, and that they are a bailiff who will be visiting your home soon. They cannot do this, so never let them make you feel threatened in your own home.

Do not allow them to enter your home, and if they persist with the threats, and you feel unsafe, you have every right to inform the police. They will take the necessary steps to diffuse the situation.

Don’t let them get to you

There is no doubt that debt collectors such as Andrew James Bailiffs Debt Collectors can be relentless in their pursuit to get you to pay up, and it has been proven that debt collectors could be responsible for mental ill-health and even suicide. It is by no means easy to stand up to Andrew James Bailiffs Debt Collectors; you will need a high degree of strength and courage, which not many possess. If you can’t deal with them on your own, there is help available and much of this is available for free. You need to get out of debt, but it is important you do this at the right rate based on your circumstances.

What to do if you need help

There are various methods of help available if you are facing debt issues: there are those agencies that are not making a profit and can offer one-to-one advice for you, and there are the commercial debt management companies whose main purpose is to make money from you. The free option should be your first choice, as paying for this service could defeat the purpose. These are the popular agencies that offer free advice and support, including:

  • Citizens Advice Bureau (CAB) provide extensive help and advice and will support you with getting out of debt and managing your finances in the future.
  • Christians Against Poverty (CAP) offer free debt advice and support
  • StepChange provides free online debt advice to help people take control of their debt

How to get rid of some of your debt

You may be able to get rid of some debt by entering into an Individual Voluntary Arrangement (IVA). The IVA is a formal agreement you come to with an agreement to pay the debt collectors an amount you are able to afford as either a one-off sum or you may wish to pay it off in monthly payments. The remaining debt will usually be written off after a set period, which is usually five years. The IVA process must always be carried out by an insolvency practitioner.

Find a local licenced IVA insolvency practitioner here.

Another option is the Debt Relief Order (DRO). There are restrictions on this, as you must have less than £75 after paying your household expenses. You must also not own your home or have any other assets which are worth more than £2000.

If you want to apply for a DRO you will be required to use an authorised debt advisor. You can find a list of authorised debt advisors here.


There have been many changes to the legislation by professional bodies, government guidelines, and a range of other attempts to protect borrowers, however, some debt collecting agencies still prey on the weak and vulnerable. You have the right to fight back though, especially with some free assistance from some of the agencies we have mentioned in this article. You cannot just refuse to pay, but you can reduce the cost of what you need to repay and spread the repayments over a time that suits your situation. You will be able to stop the behaviour of debt collectors by contacting the Financial Ombudsman, who may take their licence.

Are you struggling with debt?

Affordable repayments

Reduce pressure from people you owe

Stop interest and charges from soaring

Get started


Schedule 12, Tribunals, Courts and Enforcements Act, 2007

Part 1, Regulation 10, Certification of enforcement agents, 2014., CPR – Rules and Directions, 2018.


Are you struggling with debt?
Are you struggling with debt?
  • Affordable repayments
  • Reduce pressure from people you owe money to
  • Stop interest and charges from soaring