CMD Enforcement will contact a wide range of people every day to discuss their debt, as unfortunately, debt problems are a major issue. No one enjoys receiving this kind of contact, it can be stressful and distressing. If you have debts which you have not paid or fines which are unpaid, you may end up being contacted by CMD Enforcement bailiffs about the debt.

It can be upsetting to receive contact from the bailiffs, but you should make sure you deal with it. There is no point in trying to hide away from your debt issues, as they won’t just disappear. If you have knowledge about how to deal with these companies, you will be able to stop the situation getting worse than it needs to be. This article will look at who CMD Enforcement are, how to deal with contact from them and what to do next.

Who are CMD Enforcement?

CMD Enforcement is part of Collect My Debt Limited, a debt collection and enforcement agency that was formed in February 2016 by Dean Stevens.

CMD Enforcement have a network of enforcement agents throughout England and Wales and they specialise in taking back control of land and property. This can be either via forfeiture of a lease or by using Common Law Remedy to evict illegal occupiers such as travellers or squatters. Their enforcement agents each have an average of 15 years experience.

CMD Enforcement offer two Common Law Remedy eviction services. The first involves giving the illegal occupiers 24 hours to leave before reasonable force is used to evict them. There is also a service where the illegal occupiers are given two to four hours to leave. CMD Enforcement claim that using Common Law Remedy to evict illegal occupiers is cheaper and faster that applying to the courts for a possession order.

What is the reason for the contact from CMD Enforcement?

If you have not heard of CMD Enforcement before and you have no idea where the debt has originated, you may be wondering if they are even a legitimate organisation. They are a legitimate organisation, and if you are contacted by them, either by phone, email or letter, you should always speak to them and be honest and upfront about your situation. There are many reasons they may be getting in touch with you, and these are some of these:

  • Debts you have outstanding with individuals, businesses or other organisations
  • Unpaid tax and tax credit overpayments you have with HMRC
  • Credit card bills which are unpaid and payday loan debts
  • Defaults you have on your court fines.

The unpaid debt will be passed from the company or individual you have the original debt with and CMD Enforcement will deal with it on their behalf. The reason they do this is that the original creditor has been unable to track you down or you have been unresponsive and they want to get rid of it, while trying to make some money back. CMD Enforcement will buy it and try to chase you for the payment, they will usually pay a fraction of the price. Some companies they collect for are:

  • Utility companies, including Npower, United Utilities, as well as other gas and electricity suppliers
  • Mobile and broadband companies, including O2, Virgin Media and EE
  • Local council tax and parking tickets.

CMD Enforcement will usually buy the bundles of debt from these companies, rather than purchasing them all individually. They are not particularly trying to collect the money for the sake of the creditor, but doing it for their own interests instead. As they only pay a small amount for the debt, they start making profit when you pay it back.

How do You Stop CMD Enforcement From Contacting You?

It is commonplace for companies like CMD Enforcement to be extremely persistent in their pursuit for the debt. You may end up with a number of calls or letters from them, and in some cases, they may actually visit your home to try and get the payment from you. Although it is tempting to just ignore the debt, this won’t make it go away. It’s better to deal with the problem head-on. The sooner you deal with the debt and speak to CMD Enforcement the better, for all concerned.

You may also find that bailiffs such as CMD Enforcement will be used for the purpose of serving court documents or giving out notices and summons. If they do decide to visit your home, they would usually be required to provide you with a minimum of 7 days’ notice of their initial visit. If you want to ensure this doesn’t happen, the best thing to do is pay your debt, or at least speak to them and come to an arrangement.

They can’t just do what they want though, there are some things they are not permitted to do, in relation to chasing down the debt:

  • They cannot send letters which resemble court forms
  • They are not permitted to try and contact you at unreasonable times, i.e. very early morning (before 6am) or late night (after 9pm)
  • Contact you via your workplace, if you have asked them not to
  • Confuse you with jargon and technical terms which you may not understand

If you wish to contact CMD Enforcement, you should take a look at the letters or emails you have received, as you will find their contact details on this correspondence. If you speak to them, there is a better chance that the situation will be dealt with quickly, and without any additional stress or hassle. If you speak to them, you will reduce the likelihood of additional charges, or visits to your home.

If CMD Enforcement are chasing you about debt you don’t owe, or you believe you have already paid, you have the right to request that they prove it and provide you with evidence of the debt. The Financial Conduct Authority’s guidelines have more information on this (see section 7).

Do CMD Enforcement Have a Lot of Power?

As they operate as an enforcement agent/bailiff, CMD Enforcement have some legal powers in relation to collecting the debt and chasing you for it. They don’t hold all the power though, you have rights to in relation to what they can and can’t do, and it is imperative to be aware of these.

Bailiffs have the right to visit your home, and try to collect the debt from you. In some cases, they may even have the right to gain entry into your home and remove some of your belonging, if they believe they will be able to sell these on. If you do not allow them to enter your home, they may start taking other belongings from outside, and this includes your car.

If you have received a visit from a representative from CMD Enforcement and you advise them that you are not able to pay, they may start to remove other items from your home, including TV’s and games consoles. They may even take your jewellery to make up for the debt payments.

When you have more serious debt, such as unpaid criminal finds, or income tax, the bailiffs will be able to try and force entry into your home, but they will only do this as a last resort, if all else fails. These are some rules that bailiffs must adhere to if it is just ‘normal’ debt they are dealing with. These rules include:

  • Not being allowed to force their way past you to gain entry to your home
  • Not permitted to access your home if only vulnerable people are present or if there are only children under the age of 16 at home
  • Refraining from visiting your home during unsociable hours, such as after 9pm or before 6am
  • Not accessing your home through the window or any other way apart from the door.

What Do You Do if a CMD Enforcement Agent Visits Your Home?

Unless they are dealing with extreme cases, such as unpaid fines or criminal charges, you will not need to let bailiffs into your property. They are likely to say otherwise and they may even try to force the issue to break you down so that you just let them in. However, they will only be able to force entry if there are unpaid magistrates court fines or tax debts, and it is also imperative that they can provide that they are allowed to access the property, with the correct paperwork. They are allowed to get a locksmith to access your property, but they do not have permission to break down your door. If they do this, you would be able to get the police involved.

The best thing to do if you receive a visit from someone from CMD Enforcement (or any other bailiffs) is to request that they provide you with identification. These are some documents that they should be able and willing to provide for you:

  • Proof of who they are, this may include an ID card, badge, or certificate
  • Proof of the organisation they are representing (such as CMD Enforcement)
  • A breakdown of what you owe, include the initial value, together with any charges/interest
  • Evidence to show that they are permitted to access your property, such as a warrant

Instead of asking them in to your property to provide these documents, you may ask that they pass them to you through the door. You should inspect them closely, and ensure they are valid and accurate. For example, that your personal details are correct.

If they cannot provide evidence that they have the right to access your property, you have the right to ask them to leave, and you can contact the head office at CMD Enforcement and make an arrangement to pay it this way. If the debt does not belong to you, as it is not in your name, you may ask them to leave, but you should contact the head office to advise them that the information is not correct.

You should keep in mind that CMD Enforcement will not give up trying to get the debt paid, so it is important that you speak to them, even if the debt is not yours. If you fail to pay the debt, or you can’t provide it doesn’t belong to you, you can guarantee that they will keep visiting until you do.

CMD Enforcement Have Taken Your Goods – What Do You Do?

If you have went as far as to give access to the CMD Enforcement bailiff to your property, the chances are that they will have already taken some of your goods. If this happens, you may be able to get them back, but you must react quickly.

The quickest and simplest way to get your goods back is to pay the debt back before they have the opportunity to sell them on. If you are unable to pay upfront for the goods, you may be able set up a suitable repayment plan, to cover the debt you owe. The main thing is not to let too much time pass, act quickly and deal with the situation before it gets any worse.

There are also other ways to get your goods back. If the CMD Enforcement agent has failed to follow the correct legal process, you may be able to get your items back this way. If you need further clarification on this, you should contact Citizens Advice to find out how to do this.

CMD Enforcement Have Been in Touch – What do I do next?

If you have been contacted by CMD Enforcement, you need to know how to deal with them. These are some ways thing you should do in response to the contact from the,

Explain your situation

Some people think that the best way to deal with the situation is to just ignore the call and letters, after all, ignorance is bliss! This is, however, the worst thing you can do in this situation, it is far better to speak to them, even if you are unable to pay right away. They are more likely to try to help you, if you speak to them. CMD Enforcement may add an extra charge onto the debt, as a result of dealing with it. These charges include:

  • Compliance – £75. If they are required to send an enforcement notice with a request for payment, they may add this compliance charge to the debt.
  • Enforcement – £235 (or 7.5% over £1500). If they need to visit your home and remove some of your goods, they will be able to add an enforcement charge.
  • Sale of goods – £110 (or 7.5% over £1500). This is the charge for removing and selling your goods to recover the debt.

Whether it is your debt or it belongs to someone else, it’s better to reply to any correspondence you receive from them, so that they don’t have the opportunity to send someone to your home to try and recover the debt. You should find out if it is actually your debt, how much you owe and get evidence of this.

Confirmation of the debt

If you have received a letter which states that you owe the money, you should find out if it is accurate first, especially if you don’t recognise it or it doesn’t look right to you. It could be the case that the debt is actually someone else’s, and they have contacted you in error. You may have already cleared the debt and forgot, so it is important that you get confirmation of the details of the debt, including a breakdown of the charges.

If you have not made a payment to the outstanding debt within six years, or even spoke to the original creditor in that time, you might not be required to repay the money. If you were pressured into taking out the debt, or the original creditor did not check your affordability first, these are other reasons you might not be liable for it.

Make a payment

If you receive confirmation that the debt is yours, and it is within the relevant time period and CMD Enforcement are able to provide you with proof, you will be liable to pay the debt. If you have the money available to pay, the best choice is to just pay what you owe. If you manage to clear the debt, CMD Enforcement will stop contacting you and you will be able to carry on with your life, without the stress and worry of waiting to hear from them at any given moment.

If you can’t pay the full balance of the debt, all is not lost. CMD Enforcement will usually be willing to set up a suitable repayment plan, where you pay a certain amount each month until it is cleared. The best thing to do is to speak to CMD Enforcement and advise them of your financial situation. They are likely to allow you to repay it in instalments, while putting a hold on any extra fees or interest. It is within your best interests to speak to them and get something arranged.

How to Deal With CMD Enforcement

If you are struggling to know how to deal with CMD Enforcement, there is help at hand. If they contact you, you should speak to them as soon as possible and get the situation dealt with. If you owe the debt, you should put a plan into place to pay it, if possible. If you are concerned about dealing with CMD Enforcement and you need some additional advice, there is plenty of help available. No matter what your situation may be, there are ways to deal with your debt issues.

Individual Voluntary Arrangement (IVA)

There may be the option of entering into an Individual Voluntary Agreement (also known as an IVA.) An IVA allows you to write off a chunk of your debt. In England, Wales and Northern Ireland, an IVA will allow you to combine your debt into one. You would usually them make a monthly payment towards the whole debt, and this will usually be at a lower rate. After a set amount of time, any debt which is still outstanding, will be written off. You should enter into an IVA with caution, as doing this may affect your ability to get credit in the future.

Debt management

There are also other debt management options available to you, and the choice you make, will depend on your individual circumstances. You may wish to consider setting up debt management plans, consolidation loans, or event declaring yourself as bankrupt. You should always tread carefully with any option, as they can have different consequences on your credit score, and ability to get access to credit.

Citizens Advice

If you are looking for further information on how to deal with CMD Enforcement or you have received correspondence and you’re not quite sure how to answer it, you can contact Citizens Advice. They can provide you with a range of free tools and resources to help you understand any correspondence you have received and how you can deal with CMD Enforcement. They have staff who are highly skilled and trained on dealing with those in financial trouble, and best of all, the service is completely free of charge.

Formal reviews

If want to know a bit more about CMD Enforcement, you can take a look at Trustpilot reviews of CMD Enforcement. Unfortunately, these reviews are far from appealing, in fact, they make for quite bleak reading. You will find some of these words and phrases frequently when looking through reviews, including ‘bullies,’ ‘threatening,’ and ‘mistreated.’ This means that if CMD Enforcement are treating you badly, you can be assured that you are not the only one in this position. If you believe that you have been mistreated by CMD Enforcement in any way, you have the right to make a formal complaint against them. If CMD Enforcement fail to respond to your complaint, or they do not respond in an appropriate way, you may wish to contact the Financial Ombudsman Service who will escalate the matter further. 

CMD Enforcement – What You Need to Know

Dealing with debt enforcement agents is far from a pleasant experience, and if you are dealing with CMD Enforcements, it is important to be armoured with knowledge about them. You should have an understanding of your legal rights and their boundaries, and this way you will be able to manage the situation better. You should not ignore letters or calls from companies such as CMD Enforcements, even if the debt does not belong to you. If you believe that this is not your debt, or you have already paid it, you should contact the head office, and refuse entry to CMD Enforcements into your home. It is not necessary to let the bailiff in, unless they hold a court-certified warrant or writ. If you refuse entry on this basis, you can make them aware that you plan to contact the company directly, and either take care of the debt or get it dealt with in one way or another.

FAQs

Do I have any rights if a bailiff visits my home?

Bailiffs will only have the right to come to your home between the hours of 6am and 9pm. They are not allowed to visit you during unsociable hours. They will also need to provide you with 7 days notice regarding a visit. They are not permitted to use force to try and gain entry.

What is the maximum number of time a bailiff can visit?

There is no limit on how often a bailiff can visit your premises. They can do this an unlimited number of time, but they do need to stick to the rules of only visiting between 6am and 9pm.

What if I refuse to allow bailiffs to enter my property?

If you refuse entry to the bailiffs, there is every chance that they will turn up with a locksmith, and they may even do this when you’re not at home.

Does a bailiff have the right to break down my door?

Bailiffs do not have any right to break your door down. If they want to gain access, they must always use a locksmith. Bailiffs are only permitted to enter your property through the door, they cannot enter via the window, for instance, or any other means.

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

Bailiffs have the right to take your car, even if you will require it for your work. They know that some customers will leave the car in another street, and they will probably still track it down, as they are used to these tactics. They cannot take the vehicle if it is parked on private property, which does not belong to you.

References

Schedule 12, Tribunals, Courts and Enforcements Act, 2007

Part 1, Regulation 10, Certification of enforcement agents, 2014.

Gov.uk, CPR – Rules and Directions, 2018.

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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