As a bailiff, Call Serve Ltd Bailiff will contact high volumes of customers on a daily basis to discuss their debt. It is not particularly pleasant to have to deal with bailiffs, but if you have outstanding debt, there is every likelihood that you will be faced with companies such as Call Serve Ltd Bailiff at some point, especially if the debt has been sitting for a long time.

No matter what your situation may be, it is important that you take steps to deal with your debt. If you understand more about these companies and how to deal with them, you will be in a better position to handle them and sort your situation out as soon as possible. If you have had a request from Call Serve Ltd Bailiff and you’re not quite sure what to do next, this article should give you more information.

Who are Call Serve Ltd Bailiffs?

Call Serve Ltd. were originally called Black Watch Limited when the company started trading in 2003. They are a small debt collection agency based in Whitchurch, Buckinghamshire.

The company is run by Lance Slade who is also involved with a number of dormant companies, but more notably, he controls Credit Security Limited, a much larger debt collection agency.

Credit Security Limited are authorised and regulated by the Financial Conduct Authority. Call Serve are listed as one of the trading names of Credit Security Limited under that Financial Conduct Authority registration. Credit Security Limited are also a member of the Credit Services Association and abides by the CSA Code of Practice.

The Old Court House, High Street, Whitchurch, Bucks, HP22 4JS

Registration Number:

01296 642 100


Website Address:

Call Serve Ltd. may also be known as:
Call Serve Ltd. Limited
Call Serve Ltd. Ltd
Call Serve Ltd. Group
Call Serve Ltd. Bailiffs
Call Serve Ltd. Debt Collectors
Call Serve Ltd. Debt Collection
Call Serve Ltd. Agency
Credit Security Limited

Why Are They Contacting You?

If you are wondering why Call Serve Ltd Bailiff are contacting you, it is down to outstanding debt that you have. If you have debt, it is important that you deal with it, so you should not ignore the contact from the bailiff, no matter how tempting it may be. These are just some of the reasons why Call Serve Ltd Bailiff might be trying to reach you:

  • Debts you have with individuals, businesses or any other organisations
  • Tax you haven’t paid to HMRC or underpayments on your account
  • Credit card or payday loans you have failed to pay back
  • Defaults you have on court fines

The unpaid debt will usually be with another organisation, but Call Serve Ltd Bailiff will be chasing you on their behalf. This is because you have failed to deal with your debt, or they have been unable to even get hold of you to discuss it. Your debt will not be with Call Serve Ltd Bailiff directly, but they are chasing it on behalf of the original creditor. Some of the companies they work for, include:

  • Utility companies which may include; Npower, United Utilities and other gas and electric suppliers
  • Mobile and broadband companies, such as O2, Virgin Media and EE
  • Local council debt, such as unpaid parking tickets

The debt will not usually be purchased on an individual basis. Call Serve Ltd Bailiff will usually buy it in bulk, as this means they can make a good profit. They are not collecting it for the sake of the original creditor, they are doing it to make money, and it is better for them if they purchase the debt in bulk.

How Do You Stop Call Serve Ltd Bailiffs From Contacting You?

Call Serve Ltd Bailiff can be extremely persistent in their pursuit for the debt you owe, and this can result in dealing with a high volume of calls and letters. They may even decide to turn up at your home to get the debt repayments. Although it is tempting to ignore them, you should never do this, as the situation will just get worse. You need to deal with the problem head-on.

Call Serve Ltd Bailiff or other similar bailiffs may serve you with court documents, or hand out notices and summons. They would usually be required to provide you with 7 days’ notice to let you know about their plans to visit you. The best way to deal with the situation is to pay the debt or at least, speak to them and discuss your financial situation before the situation escalates even further.

They can’t just do anything they want though to get the repayments, these are some things they are not permitted to do.

  • Sending letters that resemble court forms
  • Calling you at inappropriate times, such as very early morning or late at night, such as after 9pm
  • Contact you in ways that you have specifically asked them not to, such as at work
  • Use technical language which confuses you.

If you want to find out how to contact Call Serve Ltd Bailiffs, you can find their details on their website or in correspondence they have sent you. It is important that you speak to them, no matter what your situation is, and the sooner you do this, the better, as it will stop them from visiting your home.

If the debt doesn’t belong to you, or you are unsure if it is yours, you have the right to contact Call Serve Ltd Bailiff and ask them to provide evidence of the debt. The Financial Conduct Authority’s guidelines have more information on this (see section 7).

What Can Call Serve Ltd Bailiffs Do to Get the Money?

As they are an enforcement agent, Call Serve Ltd Bailiff will have legal powers which allow them to collect the debt from you. However, they can’t just please themselves; you also have rights.

The purpose of bailiffs is to come to your home to collect the debts, if you haven’t been in touch with them to arrange payment. They may even be able to enter your home to get some items to take to cover the debt. If you turn them away from your home, and also refuse to pay your debt, you may find that they start to look outside for items to sell, such as your vehicle.

If you do not have any intentions of paying Call Serve Ltd Bailiff, they may end up taking the items you love from your home; those that could be described as “luxury items”, such as games consoles and TV’s. They may even take some of your prized possession jewellery.

If the debt is serious, for example, you have failed to pay your criminal fines, or tax, the bailiffs may end up using force to gain access to your premises. This would usually be a last resort though.

When the debt is normal everyday debt, there are some things that bailiffs are not allowed to do. These include:

  • Forcing their way past you to gain entry
  • Entering your premises when there are only people under 16 at home
  • If only vulnerable people or those under the age of 16 are home
  • After 9pm at night or before 6am
  • Other ways other than the door. For instance, through the windows

How Do You Deal With a Visit From Call Serve Ltd Bailiffs?

Unless you have debt which is serious, such as court fines or tax, you are not under any obligation to allow Call Serve Ltd Bailiff to gain access to your property. Although they may say otherwise, you should keep this in mind if they do end up visiting your premises. If you do have unpaid court debt or similar, you should make sure the agents who turn up have all the required paperwork. They are not permitted to break the door down to gain access to your property, they can employ a locksmith in the most extreme situations.

If an agent from Call Serve Ltd Bailiff does come to your door to discuss your debt, you should always ask them to provide you with identification, and you should make sure everything is above board. These are some forms of ID they should be able to provide you with.

  • ID card or other ID which shows how they are – including their name and any relevant reference number
  • Proof of the company they are contacting you on behalf of (ie Call Serve Ltd Bailiffs)
  • A full breakdown with evidence of the debt you have, together with any charges which have been added
  • Warrant or writ or any other evidence that they have permission to gain entry to your home.

If you don’t want them to access your property and provide this information, you can request that they put the documents through your door, and you can have a good look through them. The main things to look out for are that they are up-to-date and your personal information is on them.

You will be able to tell them to leave if they fail to provide this information. You can then speak to Call Serve Ltd Bailiff head office, and request a payment arrangement. If the documents show that the debt is in someone else’s name, you would be able to ask them to leave, and inform them that you will speak to head office and correct the information they hold.

Unless you deal with the situation, Call Serve Ltd Bailiff will keep trying to get the payment from you. You should always speak to them, whether or not you can afford to pay the debt.

Have Call Serve Ltd Bailiffs Already Taken Your Goods?

Have you already allowed Call Serve Ltd Bailiff to gain access to your property? Don’t worry, it’s not too late, you can still get your goods back. The main thing here is to ensure you act as quickly as possible to get your items before they’re sold.

The simplest way to get your goods back is to either pay off the debt, or to arrange a payment plan before they are sold. Another option is to buy the items back, as a way of paying back some of your debt. You should always act quickly, as otherwise they may be gone before you know it.

If Call Serve Ltd Bailiff have failed to adhere to the correct procedures relating to dealing with debt, you may be able to get your goods back, without having to pay for them. You will be able to contact the contact Citizens Advice to get more information.

How to Deal with Contact from Call Serve Ltd Bailiffs

If you have been contacted by Call Serve Ltd Bailiffs these are some things that you should do to deal with the situation.

Speak to them

As tempting as it may be to ignore the contact you receive from Call Serve Ltd Bailiff, this is not a good idea. The debt won’t just suddenly disappear because you are not dealing with it, and the debt collectors will continue to try and get you to arrange payments. You may end up with additional charges from Call Serve Ltd Bailiff if they have to take extra action to sort out the situation. These include:

  • Compliance – £75. This is the cost of sending an enforcement notice with a request for payment.
  • Enforcement – £235 (or 7.5% over £1500). The cost for visiting your home or business premises to take goods to cover the debt
  • Sale of goods – £110 (or 7.5% over £1500). Cost of removing goods from your home and selling them.

It is much better to speak to them before they get the chance to turn up at your home, otherwise you could end up with excessive charges, which will make it even more difficult to pay it back. Make sure you know if you owe the debt first.

Find out where the debt came from?

If you have received contact from Call Serve Ltd Bailiff and it states that you owe this debt, but you either don’t recognise it, or you believe you have already paid it off, you should make sure you find out where the debt originated and if it is accurate.

If you have not made a payment to the debt in six years or it has been this length of time or more since you even had contact with the creditor, you may not even need to pay the debt at all. If you feel that you have been pressured into signing the agreement for the loan, or there were insufficient affordability tests undertaken, you may not be required to pay the debt.

Clear your debt

You are liable to pay the debt if it is within the relevant time period and Call Serve Ltd Bailiff are able to provide proof that you owe it. If you are able, you should clear the balance you owe as quickly as possible. When you do this, you will stop the contact from Call Serve Ltd Bailiff and you won’t need to keep worrying about your door going and a bailiff being at the other side. When you make payment, you should always get a receipt for the payment.

If you are unable to pay the full amount immediately, there are other options. The best thing you can do is contact Call Serve Ltd Bailiff and let them know what your financial situation is. They might allow you to pay the debt in instalments, and this could ensure you don’t end up with extra fees.

Do You Need Help Dealing with Call Serve Ltd Bailiffs?

Are you struggling to know how to deal with Call Serve Ltd Bailiff? If they have contacted you, you should speak to them as soon as possible, and discuss your financial situation with them. If you owe the money, you should pay it straight away, or come to an arrangement to pay it back. There are other ways to get help with your debt though.

Individual Voluntary Arrangement (IVA)

You may be able to write off a big chunk of your debt by entering into an IVA, which is available in England, Wales and Northern Ireland. There is also a similar alternative in Scotland. With an IVA, you will be able to combines your debts into just one payment. You make one monthly payment towards your debt, and this will usually be at a lower rate. Any outstanding debt left over after a period of time will be written off.

Debt management

You also have the option of debt management, which you can set up to suit your circumstances. Some options here are consolidation loans and debt management plans. In the worse case scenario, you could file for bankruptcy. You may want to speak to a professional to determine the best option for your own individual needs.

Citizens Advice

If you are looking for advice on how to deal with Call Serve Ltd Bailiff, the Citizens Advice are one of the best organisations who can provide you with free expert advice and guidance. They will help you prepare for a visit and respond to any correspondence you have received. The advisers at the Citizens Advice are trained and highly skilled in dealing with debtors.

Making a Complaint

You only need to look at the Trustpilot reviews of Call Serve Ltd Bailiffs, to see what people really think. If you believe that Call Serve Ltd Bailiffs have failed to treat you in an appropriate way, you will have the right 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 Call Serve Ltd Bailiffs fail to respond to this in an appropriate way, you should escalate it to the Financial Ombudsman Service, who will deal with it on your behalf.

Call Serve Ltd Bailiffs – The Conclusion

No one would ever describe the experience of dealing with debt enforcement agents such as Call Serve Ltd Bailiffs as pleasant, however, if you understand your rights, you will be in a better position to be able to deal with them in an appropriate way. You should never ignore the letters or calls you receive from Call Serve Ltd Bailiff, as tempting as it may be. If they visit your home, you should not let them in, unless they can provide a warrant or writ. If they don’t have this, you should just contact the original creditor and deal with it directly, either by updating your details or paying the debt.


Do I have any rights if a bailiff shows up?

Unfortunately, you don’t have many rights if a bailiff shows up. However, you can turn them away if they come to your door during unsociable hours, such as before 6am or after 9pm. You would also be able to tell them to leave and report them if they try to use force against you.

Is there a limit to the amount of times a bailiff can visit?

There is no limit to how often they can visit, but there is a limit on the times they can turn up at your home.

What happens if I refuse entry to the bailiff?

The bailiff may return to your home with a locksmith if you refuse entry and this could even happy when you’re not at home.

Will the bailiff break down my door?

Bailiffs are not permitted to break down your door. If they need access and you refuse it, they must use a locksmith. They must also always enter the property via the door and not window or other entry.

Can bailiffs remove my car, even if I need to use if for work?

They can remove your car, and even if you try to park it somewhere else, they will probably track it down, as they are used to people doing this. If it is on private property though, and this isn’t yours, they cannot remove it.

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