Cowgill Holloway Chartered Accountants may speak to many different customers, each and every day regarding their debt. No one really relishes the prospect of receiving letters which state that they have outstanding debt, but if you do, you must deal with it. There are many people struggling with debt, and if you have unpaid debts or fines which are still outstanding, and you have failed to clear, you will probably find yourself on the other end of contact from Cowgill Holloway Chartered Accountants bailiffs, or similar companies.
Although being contacted by bailiffs could cause you to feel distressed and upset, it is essential that you deal with your debt problems, no matter how difficult this may be. If you understand them a little better, and what action you can take yourself to deal with the situation, you will be in a much better position to deal with them confidently. We have detailed information on who Cowgill Holloway Chartered Accountants are, why they are contacting you, and what you can do to deal with them in a controlled manner.
Who are Cowgill Holloway Chartered Accountants?
Cowgill Holloway Chartered Accountants were established in 1933 and employ over 180 people in their offices in Bolton, Ilkely and Manchester. Although they are mostly chartered accountants, they are also Certificated Enforcement Agents authorised by Burnley Combined Court Centre.
They provide a service that they call the Cowgills Creditor Protection Service. This service helps their clients recover money from a customer that has entered into a formal insolvency process. They make sure that the insolvency process is being handled in their client’s best interest by checking the customer’s recovery plan, making sure that their client’s claim is submitted correctly and attending creditor meeting.
Cowgill Holloway Chartered Accountants can also help individuals and businesses that are experiencing financial difficulty. They can advise individuals on whether they should consider an Individual Voluntary Arrangement, and can advise businesses on Administration, Company Voluntary Arrangements and Liquidation. They can also assist businesses who find that they have to deal with bailiffs.
Regency House, 45-51 Chorley New Road, Bolton, Lancashire, BL1 4QR
Also Known As:
Cowgill Holloway Chartered Accountants Limited
Cowgill Holloway Chartered Accountants Ltd
Cowgill Holloway Chartered Accountants Group
Cowgill Holloway Chartered Accountants Bailiffs
Cowgill Holloway Chartered Accountants Debt Collectors
Cowgill Holloway Chartered Accountants Debt Collection
Cowgill Holloway Chartered Accountants Agency
What is the Purpose of the Contact?
If you have never heard of Cowgill Holloway Chartered Accountants, it would be completely natural to be concerned about them, and whether they are legitimate. They are a legitimate organisation, who have have a legal right to contact you about your debt. If you do find yourself on the receiving end of a call or letter from them, it is important that you deal with it as quickly as possible. These are some of the potential reasons they may be trying to reach you.
- You have debts outstanding with other organisations, or even an individual
- You have not paid your tax bill to HMRC
- You have outstanding credit card bills or payday loan
- You have not paid your court fines
In most cases, the way this would work is that the company or individual you have the original debt with, will give the unpaid account over to Cowgill Holloway Chartered Accountants to deal with. This would usually be down to the fact that they have exhausted all other attempts to reach you and have basically, given up. This is why the debt is likely to be with another organisation, but Cowgill Holloway Chartered Accountants will be trying to get the payment from you. Some companies they generally work on behalf of, include:
- Utility companies and these may include such companies as Npower, United Utilities as well as many others
- Mobile and broadband companies, which may include O2 and Virgin
- Local council parking tickets and fines
Cowgill Holloway Chartered Accountants may decide not to buy the debt originally, but in bulk from the creditor. They are more likely to approach a company and take over a chunk of their outstanding debts, rather than just the odd one, as this isn’t usually worth their while. They pay a low price for the debt, and make profit after this, when they collect payments.
How Can I Stop Cowgill Holloway Chartered Accountants From Getting in Contact?
It is often the case that the agents who contact you from Cowgill Holloway Chartered Accountants will be more than a little persistent. This is because they will only make money if you pay them, and they will often stop at nothing in their voyage to get the payment from you. Don’t be tempted just to ignore them, always try to deal with your debt problems, so they don’t get out of hand.
Bailiffs like Cowgill Holloway Chartered Accountants may, in some cases, be given the task of dealing with server court documents or giving notices and summons. If they do decide to visit to your home, it is standard to give 7 days’ notice of this arrangement. As you don’t want them to come to your home, you should try to pay the debt, as this is the easiest way to get them off your case.
Cowgill Holloway Chartered Accountants cannot just do what they want, there are some rules and these are just a few of them:
- They do not have the right to send correspondence which resembles court forms
- Calling you at unsociable hours, such as early morning or late at night
- Contact you at your place of work, if you have not permitted it
- Deliberately attempting to confuse you by using jargon
If you want to find out how to contact Cowgill Holloway Chartered Accountant, you will find their details on the company website or correspondence they have issued.
If you believe they have the wrong person, and this is not your debt after all, you have the right to request that they provide evidence of who it belongs to, and provide you with evidence of the debt. The Financial Conduct Authority’s guidelines have more information on this (see section 7).
Do Cowgill Holloway Chartered Accountants Have Any Legal Powers?
As they are operating as an enforcement agent/bailiff, Cowgill Holloway Chartered Accountants have a range of legal powers which allow them to pursue your debt and to take action to try and collect the payments. They may have rights, but as a debtors, you also have many rights, and you should be aware of these.
Bailiffs have the right to visit your home in order to collect the outstanding debts you owe them. In addition, depending on the situation, they may even have the right to visit your premises, and even enter your home. They may be able to remove some of your belongings to sell these, in order to make up for the unpaid debt. If you do not allow them to enter your home or make any arrangement to pay them back, they may take items from outside your home. In some cases, this may mean removing your vehicle from your premises.
If you receive a visit from a representative from Cowgill Holloway Chartered Accountants and you advise them that you don’t intend to pay them, they may decide to take your luxury items, which you will probably view as essential, such as your TV or game consoles. They may take this directly from your home.
In more serious cases, such as if you have unpaid criminal fines, stamp duty or income tax, bailiffs have the right to force entry to your home, but they will do this as a last resort. They don’t really want to take this drastic action, but they may have no choice, depending on how you react and deal with it.
If it is just normal debt they are dealing with, these are some things they are not permitted to do:
- Force their way past you to get into your home
- Enter your home if there are only vulnerable people inside, or children who are under 16 years of age
- Try to access your home after 9pm or before 6am
- Enter the property via the windows or other openings which are not the doors.
What You Can Do if Cowgill Holloway Chartered Accountants Visits?
Unless it is extreme circumstances such as unpaid taxes or criminal charges, you are under no obligation to allow bailiffs into your property. It is highly likely that they will tell you they can enter your property, and they may even be quite persistent about this fact, but if it is a ‘normal’ debt, you can refuse them entry. If you do have more serious debts, such as unpaid magistrates court fines or tax debts and they are able to provide you with the necessary paperwork, then you must pay it. If you do refuse them and it is a serious debt you have, they may get a locksmith involved to try and get the debt paid but they are not allowed to break down your door.
If you do receive a visit from a representative from Cowgill Holloway Chartered Accountants (or any other bailiffs), it is important that you ask them to provide you with identification. These are some examples of identification they should give you to ensure you are dealing with a legitimate person.
- An ID card, badge, or certificate which shows who they are, including name and ID number.
- Evidence to show the company they’re representing (in this case, it would be Cowgill Holloway Chartered Accountants)
- Evidence of what you owe, together with a full breakdown
- Proof of whether they have the right to force entry, such as a warrant or writ
You may request that they pass the relevant documents to you through the door , and they should give you time to have a good look through these. You should check that they have not expired, and that all the relevant personal details on them, such as your name and address.
If they cannot prove that they have the right to force entry to your home, you may request that they leave and you can advise them that you will contact the Cowgill Holloway Chartered Accountants head office to discuss a payment plan with them. If the debt is not in your name but it belong to someone else, you can tell that they must leave, and you can contact the head office instead.
You should know that Cowgill Holloway Chartered Accountants will continue to try and get the debt repayments. If you don’t pay the debt, or you have no way of proving it is not yours, they will keep pursuing the debt until you reach an agreement to pay it back.
If Cowgill Holloway Chartered Accountants Have Taken Your Goods – What Do You Do Next?
If you have given permission to a Cowgill Holloway Chartered Accountants bailiff to access your property, they may have already taken your goods, so they can cover the debt by selling them. All is not lost though, if you deal with it quickly enough, you will be able to get your goods back.
The simplest way to get your goods back is to get in touch with them and pay your debt before they have the chance to sell them on. Alternatively, you could agree on a repayment structure with your creditors, or even buy back the items to pay off your debt.
If the Cowgill Holloway Chartered Accountants enforcement agent failed to adhere to the relevant legal procedure, there is the potential that you can get the items back this way. If you are in doubt about what to do next, you should contact Citizens Advice and ask them to provide you with information on how to handle the situation.
How to Respond to Contact from Cowgill Holloway Chartered Accountants
There are some of the things you should and shouldn’t do when you receive contact from Cowgill Holloway Chartered Accountants.
Talk to them
As difficult, and sometimes embarrassing it can be to deal with debt problems, it is important to do this. If you have received calls, emails or letters from Cowgill Holloway Chartered Accountants, you should definitely not ignore them. If you ignore them, they situation will get worse, and your debt problems won’t just disappear. They are persistent, and won’t stop trying to reach out to get payment from you. It is also worth bearing in mind that enforcement agents like Cowgill Holloway Chartered Accountants will be able to charge you a fee for dealing with the debt. So, on top of the debt you owe, they may also add on the following charges, depending on the action they need to take.
- Compliance – £75. If they need to send an enforcement notice out to you which requests payment, you may end up with this charge on top of your debt.
- Enforcement – £235 (or 7.5% over £1500). This is a fee they charge if they have to visit your property to try and get you to pay the debt.
- Sale of goods – £110 (or 7.5% over £1500). If they need to remove some of your possessions to sell them on, they may charge for sale of goods.
The best thing to do is to ensure you speak to them and discuss the debt, even if you are unable to pay it. It is always better to be open and honest, rather than just ignoring the debt. There is always a way around the situation, but you must speak to them to be able to reach an arrangement.
Find out if this is your debt
If you receive a letter claiming that you owe money, the first thing you need to clarify is whether it’s accurate. The debt could be owed by someone with the same name as you, or who previously lived at your address. Similarly, you could have recently paid the money and the letter was sent in error.
If it’s been more than six years since you last made a payment or had contact with the creditor, you may not have to pay the debt. Equally, if you were pressured when you signed the agreement or the creditor didn’t sufficiently check whether you could afford to repay the money, you may not have to pay.
Pay the debt
If the debt belongs to you, and it is within the relevant time period and Cowgill Holloway Chartered Accountants are able to provide proof that you owe it, you would have a responsibility to pay it. If you have the financial capability to do so, you should make sure you pay the debt as quickly as you can. If you clear the debt, it will allow you to move on with your life, without having this hanging over your head to worry about. If you do clear the debt, you should always endeavour to get a receipt as proof, and you should retain this incase you need it in the future.
If your circumstances will not allow you to clear the debt, the best thing to do is not to worry or stress, as there are always ways to deal with the situation. You should be able to come to an agreement to repay the debt using a repayment plan, at a rate which suits you. You should speak to Cowgill Holloway Chartered Accountants and provide them with information on your financial situation. They are likely to allow you to pay the debt in affordable installments, and they will usually stop charging any fees if you adhere to the plan.
How to Get Help in Dealing With Cowgill Holloway Chartered Accountants
If you need help to deal with Cowgill Holloway Chartered Accountants, there are many different options available to you. You should always aim to speak to them as soon as they make contact, even if you don’t have a favourable response for them or if they debt doesn’t belong to you. The sooner you speak to them, the sooner the stress will be taken off your shoulders. If you owe the debt, the best thing to do is pay it or make an arrangement to do so. If you need help with dealing with your debt, there are several options available to you.
If you have substantial debts, the best course of action is often to try and write off some of the debts. In England, Wales and Northern Ireland, you can enter into an IVA, which will combine the debt into one, like a consolidation. With an IVA, you will only be required to make one monthly payment towards the entire debt, and this is usually at a lower rate. After some time has passed, usually around 5 years, the remaining debt will be written off.
There are also other debt management options which you may want to consider, and the choice you make will be dependent on your circumstances. You may want to consider entering into a debt management plan or taking out a loan to consolidate your debt. As a last resort, you may even want to consider bankruptcy. This would usually be the ideal option if you have nothing else left to consider. You should look into the options, and decide which one is most suited to your circumstances. It is definitely not a ‘one size fits all’ situation. Some of these have more severe consequences than others.
If you are worried about dealing with Cowgill Holloway Chartered Accountants and you need some help, or you don’t really understand the correspondence they have sent you, the best thing to do is to contact Citizens Advice. They have trained advisers who can provide you with help on a range of areas, including debt management. Best of all, the service is completely free, so you won’t need to spend any money to get advice.
Read the reviews
Take a look at Trustpilot reviews of Cowgill Holloway Chartered Accountants. There are many different scenarios being mentioned, so if you are in contact with them, you can be rest assured that you are definitely not alone. If you believe that Cowgill Holloway Chartered Accountants have failed to treat you in an appropriate manner and you need some help in dealing with them, you will have the right to make a formal complaint. If Cowgill Holloway Chartered Accountants fail to respond to you, or you are unhappy with the response, you may wish to escalate the issue to the Financial Ombudsman Service, who will take the matter further on your behalf.
Cowgill Holloway Chartered Accountants – Final Conclusion
No one wants to have the stress and pressure of dealing with debt enforcement agents such as Cowgill Holloway Chartered Accountants. However, the situation will not seem as bad if you have a good understanding of your legal rights and what they can and can’t do, you will know what to expect, and how to deal with them. The worst thing you can possibly do in this situation is to ignore letters or calls from companies such as Cowgill Holloway Chartered Accountants. If the debt is not yours, you should still speak to them and advise them of this. Should Cowgill Holloway Chartered Accountants pay a visit to your home, you will have the right to refuse entry to the bailiff, unless they can provide you with a court-certified warrant or writ. You can tell them that you will speak directly to the company and deal with it with them instead.
A bailiff has turned up, what are my rights?
There are certain rules regarding the times that a bailiff can come to your home. They must not visit your property during unsociable hours, such as between 6am and 9pm. They should also give you 7 days notice of their intentions to visit. Additionally, they cannot use force to try and enter your home.
Is there a limit on the number of times a bailiff can visit?
There is no limit on the amount of times the bailiff can visit your property. They can do this as often as they want, however, they must stick to the specified hours, and cannot visit you during unsociable hours or force entry into your property.
What happens if I refuse entry to the bailiffs?
If you refuse entry to the bailiffs, they may end up getting a locksmith to enter your property. They may even do this when you are not at home.
Is the bailiff allowed to break down my door?
Bailiffs do not have any right to break your door down. If you have refused entry and they need access, they must get a locksmith. They must also always only enter via the door, they cannot try and access your property via the window, for example.
Can bailiffs remove my car, even if I need to use it for work?
Bailiffs will be able to take your car, even if you will require this for work. They will be aware that you might park it elsewhere, as this is a common tactic used. They must not remove the car if it is parked on a private area, that does not belong to you.