CT Services Bailiffs will usually contact a wide range of people each day about their debt, such is the severity of the problem we have with debt these days. Debt issues can be a major issue for many people, and they can cause distress and upset, even depression in some cases. If you have unpaid debts you have not paid back, you might be contacted by CT Services bailiffs or other similar companies.

It can be distressing to be contacted by any kind of bailiffs, it can, especially if you have no means of paying back the debt. For the most part, people won’t refuse to pay debt if they can afford it. This article will delve into who CT Services Bailiffs are and what you can do to prevent them visiting your home. We will also explain what to do, if they have already been to your premises.

Who are CT Services?

CT Business Services is a debt collection agency based in Cutthorpe, Derbyshire. They have been trading for over 20 years and collect commercials debts for all sized businesses, from sole traders to multi-nationals.

CT Services are registered in the UK under the company number of: 2577705.

They have the registered business address of:

C/O Siva Palan & Co, 69-75 Boston Manor Road, Brentford, Middlesex, TW8 9JJ

CT Services was registered on: 1/28/1991.

They received their license on: 06/03/2018.

Why Would CT Services be Contacting You?

If you are unfamiliar with CT Services, or debt collection agencies as a whole, you may be wondering if they are even permitted to chase you about outstanding debt. They are legitimate and can contact you about outstanding debt you have, so you should never ignore them. These are some of the main reasons they may be trying to track you down.

  • Unpaid debts you have with individuals, businesses or other organisations
  • Tax you have failed to pay or overpayments from HMRC
  • Payday loan debts or credit card debts you have failed to pay back
  • Court fines you have defaulted on

Your original account will usually be passed over to CT Services, as they have been unsuccessful in their attempt to get hold of you, or you may even have told them you won’t pay and they have given up! This means that the debt might be with another company, and CT Services are chasing you on their behalf. These are some of the standard organisations they would be attempting to get the money on behalf of:

  • Utility companies, such as Npower, United Utilities or it could be other gas or electricity suppliers
  • O2, Virgin Media and EE or other broadband/mobile phone companies
  • Unpaid tax or council debt you have with your local council.

CT Services will not usually buy debt individually, they will usually buy it in bundles, as this is more profitable for them. They are not collecting the debt for the goodness of their heart, they are doing it to make a profit and the more accounts they are dealing with, the better. They only need to pay a small amount to purchase the debt, so they are making money as soon as you start making payments.

What Methods Can You Use to Stop CT Services From Contacting You?

The agents who try to contact you from CT Services are likely to be persistent, as they want the money and they want it now! You may be faced with calls, letters and even text messages asking you to contact them and pay up. It can be tempting to just ignore the contact from them, but they won’t stop if you do this. You should always try to deal with the problem head-on and take command of your debt.

You may even find that bailiffs such as CT Services have been used to hand out notices or to serve court documents. If they do decide to visit your home though, they should give you 7 days’ notice of their first visit. There is one important way to stop them turning up though, and that is to pay your debt or make arrangements to pay it back.

The bailiffs do not hold all the cards though, there are certain rules in what they can and can’t do, and these are some of them.

  • They are not permitted to send you letters which look like court forms
  • They should not call you or visit at unreasonable hours, such as late at night (after 9pm) or before 6am.
  • If you have told them not to contact you at work, they are not permitted to do this.
  • They should always be clear, and should refrain from using jargon or terms which may cause you confusion

The best thing you can do in this situation is to contact CT Services and advise them of your plans to pay the debt. You will find their contact details either on the letters they have sent, or you can take a look at their website for details. Contacting them quickly is the best way to resolve the situation without any further charges on your account.

If they’re demanding that you pay debt back that doesn’t belong to you, you should ask them to provide evidence of the debt. The Financial Conduct Authority’s guidelines have more information on this (see section 7).

Do CT Services Have Any Real Powers?

You should take CT Services seriously, as they are an enforcement agent, which means they have legal powers, and the right to collect the debt from you. You have rights too though, and it is important to be aware of these, and also use them to your benefit.

The legal powers bailiffs have are that they can visit you at your home if you haven’t paid the debt you owe, or reached an agreement to repay the debt. They can take belongings to the value of the debt, and if you won’t allow them the right to enter your home, they may remove your vehicle from outside or any other goods you have outside.

If you refuse to pay CT Services, they may start to take away your everyday items, such as your games consoles or TV. These items which you use all the time, are often viewed as luxuries, and in their eyes, you shouldn’t have them if you have outstanding debt.

If the debt you have is more serious. For example, you have failed to pay criminal fines or income tax, the bailiffs may end up trying to force entry, if you refuse them. However, there are some rules they must adhere to, if the debt is just “normal” debt.

  • They cannot force entry into your home
  • They cannot try to enter if there are only vulnerable people or those who are under the age of 16
  • Not visiting your property during unsociable hours, such as after 9pm or before 6am
  • Not entering the property in any other way than through the door.

What Action Should You Take if a CT Services Agent Visits?

Unless it is serious debt such as an unpaid fine or tax bill, you can refuse entry to the bailiffs who decide to turn up at your property. It is likely that they will try and force you into letting them in, and they may tell you that you need to allow them entry, but this isn’t the case. The only way they will be able to force entry, is it you have serious debts, including unpaid magistrates court fines. They must also have paperwork to back up their claims. Regardless, they cannot break the door down, they must use a locksmith, if it is deemed necessary.

If an agent from CT Services turns up at your door, the first thing you should do is ask for identification. These are just some of the different types of ID they should be able to provide.

  • Something that shows who they are, such as an ID card, badge, or certificate
  • Proof that they’re representing the company (i.e. CT Services)
  • Evidence of what you owe, with a breakdown of the total costs
  • Proof that they are permitted to enter the property, such as a warrant.

You don’t need to let them in to give you these documents, you can ask them to pass them through the letterbox. You should check that the details are correct and they are in date.

If they cannot provide the relevant paperwork or they refuse to do this, you can contact the CT Services head office instead, and arrange payment directly with them. If the debt is not in your name, it could be an error, and in which case, you should contact head office and ask them to amend these details.

You can’t ignore CT Services, as they won’t just give up. They will continue trying to get the payments until you either make an arrangement to pay it, or you prove that the debt does not belong to you.

Have CT Services Already Taken Your Goods?

You may be reading this a little late, and CT Services have already been at your door and removed from items. In which case, don’t worry, as all is not lost. You can recover your goods, but you will need to act fast!

The best way to get your goods back is to pay the debt you owe. If you are unable to do this, the next best course of action is to come to an arrangement to pay back your debt, using a repayment plan. Alternatively, you could buy the items back and this will help clear your debt.

There are ways to get your items back, without paying. If the CT Services enforcement agent failed to follow the e correct legal procedure, you could be entitled to get your items back, without paying. You may wish to contact Citizens Advice to get more information on this.

CT Services Have Contacted You – What Next?

If you have been contacted by CT Services and you are not quite sure what to do next, these are some things you should keep in mind.

Don’t be tempted to ignore them

The worst thing you can do in this situation is ignore the contact you receive from CT Services. Ignoring it won’t make the debt go away, and you’ll end up feeling more stressed when they keep reaching out for payment. You may even end up with further charges being added to your debt if you choose to ignore them. These charges may include:

  • Compliance – £75. This is the charge if they need to send an enforcement notice with a request for payment.
  • Enforcement – £235 (or 7.5% over £1500). A charge for visiting your home or business premises to remove goods.
  • Sale of goods – £110 (or 7.5% over £1500). Removing and selling of goods by the bailiff could also result in a charge.

Even if you think the debt does not belong to you, or you believe you have already paid it, you should speak to CT Services and advise them of your financial situation. Not only will this stop them from being on your back, it could also prevent extra costs being added.

Does the debt belong to you?

Do you not recognise the debt you are being chased for? If this is the case, you should get proof before you make any payments towards it. The debt may belong to someone else with the same name, or it could belong to someone who lived at your address previously. Maybe the debt is already paid off, and the system has not been updated.

Make sure CT Services can provide evidence that the debt is yours. If it is and you have failed to make a payment in six years, or it has been that period of time since you spoke to the original creditor, the debt may not need to be paid. Similarly, if they failed to check your affordability to repay the money when you took out the original credit agreement, you may not be liable for the debt.

Pay your debt

If you have received proof that the debt does, in fact, belong to you and it is within the relevant time period, you will be liable for it. It is obviously best to pay the debt, if you can afford it. In paying it, you will be able to get them off your back, and you will be able to get on with your life, without the constant worry. If you do make payment, you should also get a receipt.

If you can’t afford to pay the debt in full, don’t worry, as CT Services should be able to arrange a payment plan. You should speak to CT Services and advise them of your situation. They could agree to let you pay the debt in instalments, and stop adding any additional fees to your account.

Do You Need Help in Dealing with CT Services

If you have been contacted by CT Services and you are not quite sure what to do next, there are some actions you can take. The best thing to do initially is to speak to CT Services and advise them of your situation. If you owe the debt, then the best thing to do is to pay it. If you are unable to do this, there are some other considerations.

Individual Voluntary Arrangement (IVA)

You may be able to write off some of your debt by entering into an IVA. An IVA, or Individual Voluntary Arrangement is available in Wales, Northern Ireland and England, and this allows you to combine all your debt into one single payment. You can get a chunk of your debt written off by this means. It is most suitable for those who have a significant amount of debt.

Debt management

There are also other debt management options available, and the best option will depend on your own situation. Debt management options include consolidation loans, and debt management plans. You should look at the different options, and even speak to a professional to get some expert advice on which would be the most suitable.

Citizens Advice

Another good option for expert advice is Citizens Advice. If you are struggling to understand the correspondence you have been sent or you just want some expert debt advice, they will be able to help. They have trained staff who also have the resources to enable you to deal with bailiffs or check correspondence.

Formal reviews

Take a look at the Trustpilot reviews of CT Services, as you will see that there are quite a lot of reviews that may help you. If you believe that CT Services have mistreated you, you will be able to make a formal complaint. If they fail to deal with your complaint in the correct manner, you have the right to contact the Financial Ombudsman Service and they will deal with it for you.

CT Services – Final Words

It is not enjoyable to deal with debt enforcement agents, such as CT Services. If you know where you stand and the boundaries they need to stick to though, you will be able to deal with them in a more productive way. You should not be tempted into ignoring the letters or calls you have received from CT Services or other similar debt collection companies. If they visit your home, you should not let them in, unless they have a writ or warrant. If they can’t provide this, you should inform them that you will contact the company on your own, and either pay the debt or contest it.

FAQs

Do I have any rights if a bailiff turns up at my door?

There are specific periods of time that a bailiff can visit you. They are not allowed to turn up at your property at unsociable hours, such as before 6am or after 9pm. They are also required to give you at least 7 days notice of their plans to visit. They must also not use any force to try and get you to move out of the way to allow them access.

Is there a limit to how often a bailiff visit?

The bailiff can turn up at your property as many times as they wish. However, there are limitations on the hours they can visit. They must not turn up before 6am and after 9pm.

What if I refuse entry to the bailiffs?

If you refuse entry to bailiffs, they could return with a locksmith to try and gain access, even turning up when you are not at home.

What if a bailiffs breaks down my door?

Bailiffs are not permitted to break down your door, under any circumstances. If they do need to force entry, they should use a locksmith. They must also enter via the door, and not through windows, etc.

Are bailiffs permitted to remove my car if I need it for work?

Bailiffs have the right to take your car, even if you will require it to get to and from your work. If you try to put them off by parking it in another street, they will probably still find it. They are used to these kind of tactics!

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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