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Andrew James Enforcement Ltd – 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
&
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 7th, 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 Enforcement

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.

Have you received a letter from Andrew James Enforcement Ltd, and you’re not sure what to do? Don’t worry; you’re in the right place. Each month, over 170,000 people come to our website for clear advice on debt issues.

We know being in debt can be scary, as research shows 64% of UK adults find interactions with current debt collectors stressful1. You might be worried about where the debt came from if you should pay it, or if you can’t afford to pay. We’re here to help shed light on all these matters.

In this article, we will:

  • Explain who Andrew James Enforcement Ltd is and who uses their services.
  • Help you understand an Andrew James Enforcement letter.
  • Discuss if you could write off some Andrew James debt.
  • Share what happens if you ignore Andrew James Enforcement.
  • Give you tips on how to deal with Andrew James Enforcement if you can’t afford to pay.

We have lots of experience dealing with debt collectors, and we understand how you might be feeling. We’re here to offer support and share helpful information. So, let’s get started on finding the best way forward for you.

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 an Andrew James Enforcement letter?

An Andrew James Enforcement Notice of Enforcement is a letter that demands you pay the debt within so many days or to expect a visit from their bailiffs. Their letters can be scary, and they add £75 to your debt as a fee for sending this letter – but try not to panic.

Here’s a table explaining all the fees debt collection agencies typically charge during a process like this.

Action Fixed fee % Extra to pay for debts over £1,500
Compliance (written communication) £75 None
Enforcement (visiting your home) £235 7.5%
Sale (removing and selling belongings) £110 7.5%
For debts collected by non-High Court officials
Action Fixed Fee % Extra to pay for debts over £1,000
Compliance (written communication) £75 None
Enforcement 1 (visiting your home) £190 7.5%
Enforcement 2 (if they visited and you didn’t make/keep an agreement you set with them) £495 None
Sale (removing and selling belongings) £525 7.5%
For debts collected by High Court officials

Should you pay Andrew James Enforcement?

You should pay Andrew James Enforcement if you have received a Notice of Enforcement after ignoring a court order that requested you to pay.

The reason you should pay is that you are legally responsible for paying the debt, and ignoring the problem will make the debt grow bigger. And even when that’s not the case, I always recommend responding to debt collectors – even just to question the debt’s validity. Remember, you have the right to request proof of the debt. They have to prove it, or they can’t charge you.

I recommend getting some legal advice if you are at this stage. There are several debt charities that I have linked at the bottom of this page that offer free debt counselling and legal advice services.

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

Andrew James Enforcement Ltd Reviews – “Heartless and Vile”

There are a number of online reviews from people who have had to deal with Andrew James Enforcement. Unfortunately, customer experiences with Andrew James Enforcement do not appear to be positive.

Most of the reviews on Yell are extremely poor, averaging 1.2 stars out of 5 stars. 

Here is what some people have had to say:

“I’m a vulnerable person and spoken to Corrina and Lauren they both were extremely rude disconnected the call […] Corrina said that the bailiff can take your oxygen so don’t worry you won’t die.”

[UnknownU-145, Yell.com]

“These people are heartless and vile.”

[Yell.com]

“Absolutely disgusting company and staff which should be sacked. Refused to take £25 a month for £600 debt and was told to wait for the agent to call which he did 6 months later to which he demanded £1000.”

[Yell.com]

Their Google reviews are even worse. At the time for writing, they have 1.1 stars out of 5 stars over 41 active reviews. 

What happens if you ignore Andrew James Enforcement?

» TAKE ACTION NOW: Fill out the short debt form

There are legal consequences of ignoring debt notices.

If you ignore a Notice of Enforcement sent by Andrew James Enforcement, you should expect a visit from their bailiffs. They will come to your home to recover full payment or seize possession of your goods to an estimated equal value of the debt. 

Your valuables will be taken when possible and kept in storage. You’ll be charged the fees for keeping the goods in storage and have so many days to pay the debt in full.

Not paying the debt at this stage will result in your assets being sold at auction and the sale proceeds used to clear your debt.

Research shows that the average unsecured debt has increased by 25% year-on-year, rising to £13,9412, which means that debt collection agencies aren’t going anywhere any time soon.

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.

I want to pay Andrew James Enforcement – but I can’t afford it!

You might want to pay the debt but cannot afford it due to hardship, personal finances, further debts or low income. Andrew James will listen to payment plan offers to make the debt repayment more affordable, typically with a lump sum payment upfront. 

If you want to make a payment plan proposal, do this after receiving the Notice of Enforcement letter, if possible. Waiting until they visit you will mean having to pay further Andrew James Enforcement bailiff fees, and they may be less likely to accept. Andrew James Enforcement is not obligated to accept a payment plan and may prefer to seize your assets. 

Payment plans usually involve a Controlled Goods Agreement. This is an agreement that if you fail to keep up with payments, the Andrew James bailiffs can come and take specific assets to clear the debt. Think of it as a sort of guarantee you’ll try your best to make payments. 

Can Andrew James Enforcement bailiffs break into my home?

Andrew James Enforcement cannot break into your home or physically harm you in any way. They can walk into unlocked and open doors, however. If you want to engage with their bailiffs, it is wise to do so from an upstairs window rather than standing at your door. 

But keep in mind they could still seize an asset outside of your home, such as a vehicle on your driveway, providing it is not under a Hire Purchase agreement. 

Some elderly and vulnerable people are not allowed to be visited by Andrew James Enforcement bailiffs. Learn more on this dedicated post by Citizens Advice

But they don’t usually detail bailiff’s rights and limitations in their letters to you, which can make the whole process scarier! Take a look at this example.

This person should get legal advice as soon as possible because goods can’t be removed unless they are outside the property. As they have children, they are also technically classified as a vulnerable person. This means that they will get a bit longer to respond to letters before Andrew James knock on the door, amongst other allowances.

Vulnerable individuals’ protection against debt enforcement and bailiffs can be complicated, so I recommend speaking to a debt charity for some advice as soon as possible.

Andrew James Enforcement Contact Information

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

  1. InDebted, Debt Collectors Survey
  2. StepChange, Statistics Yearbook December 2022
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.
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