Bob Upton Bailiffs contact people every day about their debt, and it is never a pleasant experience having to deal with contact of this nature. If you have debts which are unpaid, or you have received fines and you haven’t managed to pay them off, you could end up being contacted by Bob Upton Bailiffs, via text, email or phone.
It is understandably upsetting to be contacted by bailiffs, but it is something that can be dealt with, if you speak honestly and openly to them. You can get the situation under control and everything in order, so that it doesn’t go any further. This article will look at who Bob Upton Bailiffs are, how to react to them, and what to do with the requests they make.
Who are Bob Upton Bailiffs?
Bob Upton Limited were incorporated in July 2008 and are controlled by Robert Upton whole is the sole employee. They are based in Basingstoke, Hampshire. Bob Upton Limited are a certified enforcement agent authorised by Southampton Combined Court Centre.
195 Western Way, Basingstoke, Hampshire, RG22 6EY
Also Known As:
Bob Upton Ltd Limited
Bob Upton Ltd Ltd
Bob Upton Ltd Group
Bob Upton Ltd Bailiffs
Bob Upton Ltd Debt Collectors
Bob Upton Ltd Debt Collection
Bob Upton Ltd Agency
Why do Bob Upton Bailiffs keep contacting you?
If you haven’t heard of Bob Upton Bailiffs before, you should be aware that they are a legitimate organisation, therefore, you should not ignore contact from them. These are just some of the reasons why they may be contacting you:
- You have debts which you owe to individuals, businesses or other organisations
- They have record of unpaid tax and/or tax credit overpayments from HMRC
- You have an unpaid credit card or loan
- You have defaulted on court fines
The company you have the debt with will pass it over to Bob Upton Bailiffs. This is usually because you are failing to respond to them. This is why it doesn’t really pay to ignore companies who are trying to claw back debt, as you may think it’s a drop in the ocean to them (and it often is), but all these bits of debt add up, which is why they will be persistent in getting the payment. Some of the companies they may be trying to recover the debt for, include:
- Utility companies, which may include Npower, United Utilities, or any others
- Mobile companies such as O2, Virgin Media and EE
- Local councils, such as recovery of parking tickets
Bob Upton Bailiffs will usually buy debt from a range of companies, and lets not sugar coat it, they are collecting for themselves, not the original creditor. They buy the debt for a small fraction of the price, and make money when they get payments. It’s a win-win situation for the original company, as they get a guaranteed payment, even if it is smaller than face value, and they get rid of the debt.
How do you get rid of Bob Upton Bailiffs?
The agents from Bob Upton Bailiffs will often be persistent in their quest for the debt. You might receive an abundance of calls, letters or emails, or they may even come to your home. It might seem best to just ignore them, but they won’t go away. It makes more sense to deal with the problem head-on.
Bob Upton Bailiffs may also be used by companies to serve court documents or issue notices and summons. They should not just turn up at your door though, they should give you notice about their plans to do this. If you contact them and arrange a repayment plan, this will stop them from threatening to come to your home.
There are rules though, and these are some of the things they are not permitted to do:
- Sending letters that are similar to court forms
- Calling you at times which are unreasonable, such as very late at night
- Contacting you in a way which you have asked them not to, such as at your workplace
- Confusing you with technical jargon
Take a look at the letters you receive, or check their website to find out how you should contact Bob Upton Bailiffs. Contacting them will allow you to make an attempt to resolve the situation, without additional costs which would be incurred from a home visit.
If you don’t believe the debt is yours, you can ask them to provide evidence of the debt. The Financial Conduct Authority’s guidelines have more information on this (see section 7).
What are Bob Upton Bailiffs allowed to do?
As they are an enforcement agent/bailiff, Bob Upton Bailiffs have legal powers with regards to collecting money from you to clear your debt. It is not a one-way street though, you also have many rights when it comes to your debt.
Unlike debt collection agencies, bailiffs have the right to visit you at home to recover the debt. They may even have the right to enter your premises and remove possessions, so you should take any contact from them seriously. If you refuse to allow them to enter your premises and refuse to pay them, they may even take things from outside your home, such as your vehicle.
If Bob Upton Bailiffs pay you a visit and you refuse to hand over any cash, they may end up taking some of your luxury items from the home. Luxury items include things like TVs, games consoles, jewellery and antiques.
Bob Upton Bailiffs may force entry into your home as a last resort, especially if the debt relates to criminal fines, income tax or stamp duty. These are some rules that Bob Upton Bailiffs must stick to though, which apply in most cases:
- They cannot force their way into your home
- They cannot enter your home if there are vulnerable people or children under the age of 16 are present
- After 9pm or before 6am
- They should only enter via the front door, not other entrances or the window
How to deal with a visit from Bob Upton Bailiffs
Unless it is an extreme case, you do not have to give bailiffs access to your property. Of course, they will probably tell you that they can, and they may try and force the issue. They can only force entry in extreme cases, such as when you have court fines or you have failed to pay your tax bill. They must also have necessary paperwork which states that they have permission to do this. Although they can gain access, they are not permitted to break down your door to get in.
It is imperative that you ask Bob Upton Bailiffs (or any other bailiffs) for identification if they turn up at your door. Anyone could pretend to be from the company, and they should be able to provide the following:
- Proof of their identity, such as ID card, badge, or certificate
- Proof of company they are coming from (i.e. Bob Upton Bailiffs)
- A breakdown of what you owe
- Proof that they have permission to enter your premises, such as a warrant.
You can ask them to pass these documents through the door, so that you can have a look at them. It is important to ensure that they’re still in date and that they have all the relevant information, including your name and address.
If they have nothing which states they can force entry to your home, you should request that they leave the premises and you should contact Bob Upton Bailiffs head office to deal with the payment. If the debt is not in your name, you may request that they leave and you should follow up with the head office.
Bob Upton Bailiffs will continue to try and get the payment from you. You must be able to prove that it is not your debt. Otherwise, they will persist with it.
What to do if Bob Upton Bailiffs take your possessions?
If Bob Upton Bailiffs have entered your home and taken some of your possessions, they will do this to cover the debt. If you get in touch with them quickly, you may be able to resolve the situation.
The best way to get your goods back is to pay the debt, prior to them being sold. If you can’t afford to pay the full debt back, you can enter into a repayment plan with the creditors. This should be one which is affordable to you.
If Bob Upton Bailiffs failed to follow the correct legal procedure, you might also be in a position to get your goods back. If you contact Citizens Advice, they will be able to help you with this.
What to Do If Bob Upton Bailiffs Have Contacted You
These are some thing you should and shouldn’t do when you are contacted by Bob Upton Bailiffs about your debt.
Speak to them
You should not ignore any calls or letters you receive from Bob Upton Bailiffs. You can guarantee that the debt won’t just disappear, and the debt collectors will not stop contacting you until you speak to them. Enforcement agents like Bob Upton Bailiffs may end up charging an additional fee to deal with this debt. The fees may consist of:
- Compliance – £75. This is incurred if an enforcement notice is sent out which requests payment.
- Enforcement – £235 (or 7.5% over £1500). A fee for visiting your home or business.
- Sale of goods – £110 (or 7.5% over £1500). Incurred when they need to sell your goods.
Even if you don’t owe the debt, you should speak to Bob Upton Bailiffs and discuss your situation, before they send an agent to your home. Make sure you find out if you are liable for these extra costs, before you pay them.
Find out if you owe the debt
If you have been sent a letter which claims the debt is yours, you should make sure you clarify the accuracy of the details. If you don’t recognise the debt, it might be someone else’s, or could belong to someone who previously lived at your address. You may even have already paid off the debt, and the letter has been sent to you by mistake.
If you have not made any payment in the last six years, or you have not spoken to the creditor, you might not need to pay the debt. If you were pressured into the agreement, or you could not afford the pay it, you may not need to pay. All credit companies must check affordability before issuing credit.
Pay off the debt
If you owe the debt, it is still within the timeframe, and Bob Upton Bailiffs have proof that you owe the debt, the best option is to pay it. If you pay it, it will take the stress off, as they will stop contacting you. It will also help ensure your credit report stays healthy. If you do pay off the debt, you should ensure that you have a receipt or confirmation of the payment.
If you don’t have the funds to make a full payment, another option is to set up an affordable repayment plan. In order to do this, you can contact Bob Upton Bailiffs and explain your financial situation to them. They will usually agree to allow you to pay the debt in installments.
How to Deal With Bob Upton Bailiffs
If you are trying to deal with Bob Upton Bailiffs, you should speak to them in the first instance about your situation. If you can, the best way to deal with it is to pay it off completely or at least set up a repayment plan. If you need some help, there are ways you can deal with them.
You may be able to write off some of your debts in some cases. In England, Wales and Northern Ireland, an IVA allows you to combine your debts together. You can then make a monthly payment towards the outstanding debt, usually at a lower rate. After a set period, the debt which is outstanding will be written off.
If you don’t wish to enter into an IVA, there are other forms of debt management you can use, depending on your circumstances. There are debt management plans, consolidation loans, and as a last resort, you may need to make yourself bankrupt. You should get an understanding of all the options available to you, and speak to professional organisations to discuss what might be best.
If you are struggling to deal with Bob Upton Bailiffs or you are unsure about how to deal with correspondence from them you can may want to contact the Citizens Advice. They have the experience to be able to help you prepare for a bailiff visit, as well as checking correspondence you have received from them.
Making formal complaints
IYou can look at Trustpilot reviews of Bob Upton Bailiffs to find out what others are saying, and unfortunately, it doesn’t make for pleasant reading. There are some horrific words used relating to Bob Upton Bailiffs, including ‘bullies,’ ‘threatening,’ and ‘mistreated.’ If you believe that Bob Upton Bailiffs have not treated you properly, you may wish to make a formal complaint.
If you want to complain to the bailiff company you can use our free letter template which outlines exactly what you should say.
If Bob Upton Bailiffs fail to respond, or they do this in a way you are not happy with, you can contact the Financial Ombudsman Service to discuss the matter further.
Bob Upton Bailiffs – To Summarise
It is not easy to deal with debt enforcement agents such as Bob Upton Bailiffs, but you should know your legal rights. You should not ignore the letters or calls sent by Bob Upton Bailiffs, even if it is not your debt. It is important that you speak to them and discuss the matter. If they visit your home, you should not allow them to enter, unless they have a warrant. In this case, you can contact the company directly to deal with this.
What rights do you have if the bailiff comes?
Bailiffs are not able to come to your home between 6am and 9pm and they should give you 7 days notice. They cannot force entry into your home.
On how many occasions can a bailiff visit?
There is no limit to how many times the bailiff can visit your home, however, they must ensure the visit takes place between the hours of 6am and 9pm.
Can you refuse the bailiffs entry?
You can refuse to let the bailiffs in, but they might come back with a locksmith to gain entry, when you’re not at home.
Is the bailiff permitted to break down my door?
Bailiffs cannot attempt to break your door down. If they are trying to get access, they must use a locksmith. Also, they must only enter through the door, not the window.
Can bailiffs remove my car from the street?
Bailiffs are allowed to take your car, even if you require it for work. Even if you park it on the other side, they will probably still find it. They cannot remove it if it is on private property that is not yours.