Chardel Limited will often contact as many as thousands of people each and every day, regarding their debt.

It’s not pleasant to receive letters saying you owe money especially if you can’t afford to pay it back. For many, debt problems can be highly distressing. In some cases, if you have outstanding unpaid debts or fines, you may be receiving contact from companies like Chardel Limited bailiffs. They may call, text or send you letter to chase up the debt.

Although getting contact from the bailiffs can be upsetting, you should take steps to deal with it. If you know how to handle them, the situation can be dealt with quite quickly and easily, and if you do this you can minimise the risk of the worst happening. This means you may not lose your assets. We look at who Chardel Limited are, how to respond if they visit your home, and how to react to any requests they make.

Who are Chardel Limited?

Chardel Limited are a dormant company based in Barnet, Herfordshire. They are controlled by Mark Charlick and were certificated enforcement agents authorised by Hertford County Court.

20-22 Wenlock Street, London, England, N1 7GU

Registration Number:

Incorporation Date:

License Granted:

Also Known As:
Chardel Limited Limited
Chardel Limited Ltd
Chardel Limited Group
Chardel Limited Bailiffs
Chardel Limited Debt Collectors
Chardel Limited Debt Collection
Chardel Limited Agency

Why Are The Company Trying to Reach You?

f you’ve never heard of them, you may be wondering who Chardel Limited are and whether they are legitimate. Chardel Limited are legitimate, so if they do call you or send you a letter, you should never ignore it. There are several reasons why they may be trying to reach out to you. These reasons include:

  • Debts you owe to individuals, businesses or other organisations
  • Unpaid tax and credit overpayments you have received from HMRC
  • Credit card and loans which are unpaid
  • Court fines that are unpaid, and defaulted on.

In most cases, the company, person, or organisation you owe the money to, will pass your unpaid debt over to Chardel Limited to deal with because they want to get rid of it and have either not contacted you, or not heard back from you. This means your debt may be with an entirely different creditor such as a credit card company or bank, but it is Chardel Limited who are trying to collect the monies. Companies that Chardel Limited collect for are:

  • Utility companies, including Npower, United Utilities, as well as gas and electric suppliers
  • Mobile and broadband companies, including O2, Virgin Media and EE
  • Parking tickets and council tax, which have been received from your local council.

Chardel Limited often buy packages of debt from these companies. This means they do not buy the debt to ensure the original creditors are paid back, but instead, they are collecting to try and make a profit. They buy the debt for a fraction of the value, and they make a profit when they start to get payments from you.

How do you stop Chardel Limited from contacting you?

It is likely that Chardel Limited will be quite persistent in their attempts to contact you. You may be getting a lot of calls or letters from them about the outstanding debt, and they may even turn up at your house. You may be tempting to just ignore the contact from them, in the hope that they will stop, but you can guarantee they won’t. It would be much better to deal with the problem head-on.

Bailiffs like Chardel Limited will sometimes even server court documents or they may give notices and summons. If they visit to your home, they would usually be required to provide at least 7 days’ notice of their plan to visit. If you wish to prevent them coming to your home, you should arrange to pay off the debt, even in installments.

These are some of the things they can’t do, though:

  • They are not permitted to send letters that resemble court forms
  • They should not call you at unreasonable times of the day.
  • It is not appropriate to contact you at work, if you have asked them not to
  • They shouldn’t use jargon or technical language to try to confuse you

You should take a look at your letters and Chardel Limited’s website to find contact details for them and get in touch to discuss the debt you owe. In doing this, you will increase your chances of ensuring the matter is resolved as quickly as possible. without incurring additional costs or having them visit your home.  

If you don’t believe the debt is yours, you may ask them to prove it and to provide evidence to support it. The Financial Conduct Authority’s guidelines have more information on this (see section 7).

What are the powers of Chardel Limited?

As an enforcement agency, Chardel Limited have legal powers when they are attempting to collect the debt from you. However, you will also have rights when you are dealing with them.

Bailiffs have the right to visit your home to collect your debts. In some cases, they may even have the power to gain access to your home and remove some of your belongings to sell on. If you refuse to allow them entry and you do not reach an agreement to pay back the debt, they can remove items from outside your house, such as your car.

If ya representative visits you from Chardel Limited and you say you will not pay them, they have the right to take non-essential items from your homes. These items may include such items as your TVs, games consoles, jewellery and antiques.

In some instances, if you have unpaid criminal fines, stamp duty or income tax, bailiffs may be able to force entry to your home as a very last resort. In usual circumstances, though Bailiffs will not be able to enter your home in these ways:

  • Forcing entry into your property.
  • When there are only vulnerable people at home, or children under the age of 16
  • After the hours of 9pm or before 6am
  • By going through windows or other openings which are not doors

How do deal with Chardel Limited Visits?

In all but the most extreme circumstances, you do not have to let bailiffs into your property. It’s like that they will try to tell you otherwise and they may try and hassle you about this. However, the only way they can force entry is if you have unpaid magistrates court fines or tax debts, and they also must have the necessary paperwork to be able to take this action. It is unknown for them, to hire a locksmith to gain entry to your property, but they are not permitted to break down your door.

The best thing to do if you are being contacted by Chardel Limited or they are at your door is to ask for their personal information or ID if they are at your door. If they are legitimate, they should be in a position to provide the following:

  • Proof of their details, such as an ID card, certificate or badge
  • An ID card which shows how they’re representing (for instance, Chardel Limited)
  • Confirmation and breakdown of what you owe
  • A warrant or similar that shows they have the right to force entry

You can even ask them to pass these documents through the door and you have the right to check these in detail. You should ensure they’re still in date and have all of the relevant information on them, such as your name and address.

If you discover that they don’t have the right to force entry into your home, you have the right to ask them to leave and that you plan to contact Chardel Limited head office and arrange payment. If the debt is not in your name but in someone else’s, you can request that they leave and that you will contact their head office.

You should remember that Chardel Limited will keep trying to pursue the debt, so you will either need to pay the debt or prove it is not yours, to get rid of them!

Chardel Limited Have Taken my Goods – What Next?

If a Chardel Limited bailiff has already gained access into your home, the chances are that they have removed some of your goods to sell, as a means of covering your debt. However, there is a way to get your goods back, but you need to act quickly.

If possible, the easiest way to get your goods back is to pay or settle the debt before they’ve managed to sell them on. In cases were this is not possible, you can agree to a repayment plan with your creditors, or you can buy back the items.

If the Chardel Limited enforcement agent has failed to follow the correct legal procedure, you may also be able to get your goods back. You may want to contact Citizens Advice to get more information about this.

Steps to take if you are Contacted by Chardel Limited

If you are contacted by Chardel Limited, these are some things you should and shouldn’t do:

Don’t be tempted to ignore them

It’s important that you don’t just ignore the calls or letters you receive from Chardel Limited. Your debt will not just disappear unfortunatley, and they will not stop trying to contact you about it. Ultimately, they want payment! You should remember that enforcement agents like Chardel Limited will be able to charge an extra fee for dealing with your debt. This includes:

  • Compliance – £75. If they need to send you an enforcement notice asking for payment.
  • Enforcement – £235 (or 7.5% over £1500). If they visit your home or business and take goods.
  • Sale of goods – £110 (or 7.5% over £1500). If they remove and sell your possessions.

Whether you owe the debt or believe it is not yours, it is much more favourable to respond to their correspondence before you end up with someone at your home. Look into whether you’re liable for the money owed, and take the necessary action.

Is this your debt?

If you receive a letter and it claims that you owe money, the first step is to clarify whether it’s accurate or not. The debt may be owed by someone else who happens to have the same name as you, or who previously stayed at your address. It could also be the case that you have recently paid the money and the letter was actually sent in error.

If you have not spoken to the creditor in six years or may any payment in this time, you may not have an obligation to pay the debt. If it turns out that you were pressured when you signed the agreement or the creditor failed to sufficiently check your affordability, you may not have to pay the debt back.

Pay your debt

If the debt belongs to you, and it is dated less than 5 years ago, and Chardel Limited has provided you with proof of this, you will be liable to pay it. If you have the funds available to pay, it is best if you just pay what you owe. If you pay it off, this will automatically stop the company from making any further contract with you, and you will be able to just get on with your life with one less thing to worry about. You should always ask for a receipt for any payments you have made.

If you cannot afford to pay the full amount straight away, you might be able to agree on a suitable payment plan. To do this, you should can Chardel Limited and explain the situation to them. They may give you the option to pay your debt in instalments, which will help you avoid any extra fees.

How to get help to deal with Chardel Limited

There are many ways you can get help with dealing with Chardel Limited if they try to reach out to you. Of course, you should try to contact them after their initial contact, and deal with the situation straight away. If you are responsible for this debt, the best thing to do is to pay the debt if you can. However, if you cannot pay, there is help available when you are trying to deal with them:

Individual Voluntary Arrangement (IVA)

In some cases, you may be able to write off some of your debts, such as an IVA. In England, Wales and Northern Ireland, you can register with an IVA, which will combine all your debts into one. With this process, you can make one monthly payment towards the entire debt, often at a lower rate than you would without an IVA. After a set period, the outstanding debt will be legally written off.

Debt management

Debt management options are also available, depending on your individual circumstances. The other options include debt management plans, consolidation loans, and bankruptcy. You should always look at your options and talk to professional organisations and determine the best option to suit you.

Citizens Advice

If you are concerned about how to deal with Chardel Limited or anything they have discussed with you, you can contact Citizens Advice. The Citizens Advice have resources that will be able to help you prepare for a bailiff visit, as well as advisers who can check any documentation you have received.

Formal complaints

If you look at the Trustpilot reviews of Chardel Limited, you’ll see some interesting reading. If you feel that Chardel Limited have failed to treat you properly, you will be able to make a formal complaint. If Chardel Limited do not respond to this appropriately, you will be able to contact the Financial Ombudsman Service to take matters further. 

Chardel Limited – Conclusion

It’s not pleasant to deal with debt enforcement agents such as Chardel Limited. If you do know and understand your legal rights and their boundaries, you will at least know what to expect. You should not be tempted to just ignore letters or calls from companies such as Chardel Limited, even if the debt does not belong to you. If Chardel Limited turn up at your home, you have the right to refuse access to the bailiff, unless they have a court-certified warrant or writ. You should just inform them that you will contact the company directly to pay the money or you can always contest the claim, if appropriate.


What rights do I have if a bailiff comes?

Bailiffs are only able to visit your home between 6am and 9pm and they are required to give you 7 days notice. They are not allowed to use force such as forcing you out of the way.

How many occasions can a bailiff visit?

There is no limit to the number of times a bailiff can visit your home, however, they must do so between the hours of 6am and 9pm.

What will happen if I don’t let bailiffs in?

If you refuse entry to the bailiffs, they may decide to come back with a locksmith, when you’re out the house.

Can the bailiff break down my door?

Bailiffs have no legal right to break your door down. If they want to gain access, they must use a locksmith. Bailiffs can only enter your home through a door, not a window or any other point of entry.

Can bailiffs take my car, even though I need it for work?

Bailiffs have the right to take your car, even if you will require it to get to work. They are used to people trying different ways to get around this, such as parking the car on another street. They are not permitted to take the car if it’s parked on private property that doesn’t belong to you.

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
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