Cumbria Bailiffs Limited will speak to many different people every single day about their debt, and it is definitely not pleasant to be on the receiving end of a call from the bailiffs. If you have not paid some of your debt, you may be contacted by this company in an attempt to get you to pay up. They may be quite persistent if you fail to respond to them quickly.
It can be distressing to deal with bailiffs such as Cumbria Bailiffs Limited. You may have never had to deal with bailiffs before, and you might not be sure how to deal with the situation. If you are armed with knowledge though, you will be in a better position to deal with them. This article will discuss who Cumbria Bailiffs Limited are, what you should do if they turn up and how to handle any requests you receive from them.
Who are Cumbria Bailiffs Limited?
Cumbria Bailiffs Limited are based in Leeds and are controlled by Benjamin Dirom. The company was formed in July 2016.
They are Certificated Enforcement Agents authorised by Gateshead County Court.
Cumbria Bailiffs Limited are registered in the UK under the company number of: 10277268.
They have the registered business address of:
Elizabeth House, 13-19 Queen Street, Leeds, West Yorkshire, United Kingdom, LS1 2TW
Cumbria Bailiffs Limited was registered on: 7/13/2016.
They received their license on: 24/10/2018.
Why Are They Reaching Out?
If you have never dealt with bailiffs before, you are probably wondering why Cumbria Bailiffs Limited are contacting you, and whether they are an authorised company. They are legitimate, so if you receive contact from them, you should definitely take it seriously and speak to them.
These are some of the potential reasons they might be trying to track you down.
- You have unpaid debt with individuals, businesses or other organisations
- You owe tax and or have failed to pay back tax credit overpayments from HMRC
- There are unpaid credit card or payday loan debts on your account
- You have defaulted on court fines
The original creditor will usually pass the debt over to Cumbria Bailiffs Limited if they have been unable to reach you. This means that although you don’t owe this company, they have the right to chase you for the money, as it has been passed over to them to deal with. You should take every step possible to sort the situation out.
These are some organisations who they may be collecting the debt on behalf of:
- Energy companies which may include Npower, United Utilities, as well as other utility companies
- Mobile and broadband companies including O2, Virgin Media and EE
- Local council debt, including parking tickets
Companies such as Cumbria Bailiffs Limited will usually buy sets of debt, rather than purchasing separate accounts. They may buy it at a fraction of the price, especially when buying in bulk. This means they make money when you start to pay the debt back. The quicker you pay the debt, the better it is for them.
Is There Any Way to Prevent Cumbria Bailiffs Limited From Contacting You?
The only way to stop Cumbria Bailiffs Limited from contacting you is to take action. You should never ignore the letters or calls, as it won’t help your situation. If you do ignore them, they may end up on your doorstep, which is the last thing you want. The best action is to deal with this head on.
You may find that Cumbria Bailiffs Limited have been used for the purpose of serving court notices or summons. If they do plan to visit, they would usually give 7 days’ notice to let you know. Visiting is usually a last resort, they would prefer that you just take steps to pay back the debt and this is the most effective way to deal with the situation.
Regardless of the debt you have, there are some things they cannot do in order to try and recover the debt. These include:
- Sending letters that look like court forms
- Trying to contact you at unsociable hours such as very early morning or late at nigh
- Contact you in ways you have asked them not to. For instance, at your workplace.
- Using words you don’t understand, in an attempt to confuse you.
If you would like to speak to Cumbria Bailiffs Limited about your financial situation and deal with the debt, you can contact them via the details on their website or any correspondence you have received from them. The sooner you deal with it, the better, and the less chance of them visiting your home or any other charges being added.
If you are being chased for money you don’t owe, you will be able to ask that they provide you with evidence about the debt you owe, including a full breakdown. The Financial Conduct Authority’s guidelines have more information on this (see section 7).
What Rights Do Cumbria Bailiffs Limited Have?
Cumbria Bailiffs Limited are a bailiff, which means they possess certain legal powers relating to the debt. They don’t hold all the cards though, you also have rights when it comes to how they deal with you.
Bailiffs have the powers to go to your home and try to collect the money you owe, and in some cases, they may even be able to remove some items from your home to sell. If you don’t agree to allow them entry into your home, they also have the right to take other goods from outside. This may even include your car or another vehicle.
If you receive a visit from Cumbria Bailiffs Limited, and you tell them you are not paying the debt, they would have the right to take items which they would consider as luxury, such as games consoles and TV’s.
In cases were the debt is deemed as serious. For instance, you have criminal fines you have failed to pay, income tax debt or stamp duty, they may end up forcing entry into your home, but this would be a last resort. If the debt is just ‘normal’ day to day debt, bailiffs would need to adhere to the following rules:
- Not forcing entry into your property
- Not attempting to access the property if there are only vulnerable people or under 16’s at home
- They should not attempt to enter the property after the hours of 9pm or before 6am
- They must not attempt to enter in any other way than the door.
How to Handle a Visit from Cumbria Bailiffs Limited Visits?
Unless it is extreme situations, such as unpaid court fines, you can refuse entry to bailiffs. They may try to force the issue and advise you that you need to let them in, but this is not the case. The only way they can force entry is if you have not paid tax bills or court fines. They should be able to back this up with the relevant paperwork. They will be able to get a locksmith in place to gain entry to your property, but they are not permitted to break the door down, under any circumstances.
The best thing to do if an agent from Cumbria Bailiffs Limited turns up at your door is to request that they provide you with some identification. These are some typical examples of identification they can provide:
- Evidence to show who they are. Some suitable examples include an ID card, certificate or badge
- Proof of the company they’re working on behalf of (for instance, Cumbria Bailiffs Limited)
- Breakdown of what you owe
- Warrant or writ if they are trying to force entry into your property
If you don’t wish to allow them to access your home to hand over the documents, you can request that they just pass them through the door. You should ensure these documents are in date, and have accurate information on them, including your own name and address.
If the documents show that they don’t have permission to force entry, you should request that they leave and you can advise them that you’ll call up the Cumbria Bailiffs Limited head office instead. If the information is incorrect, for instance, if it is in someone else’s name, you should also update the head office.
Cumbria Bailiffs Limited will not stop trying to recover the debt. If you fail to pay it or you can’t provide it doesn’t belong to you, they will just keep trying to reach you, or they may even just turn up at your home.
Cumbria Bailiffs Limited Have Taken My Goods – Can I Do Anything?
If you have permitted Cumbria Bailiffs Limited to enter your property, and they have taken some of your items to sell on, there are some things you can do, as long as you deal with the situation as quickly as possible.
You can get your goods back by paying your debt before they get the chance to sell them on. If you are unable to settle the debt, you can arrange a repayment plan to settle it with affordable, monthly payments.
In cases were the Cumbria Bailiffs Limited agent has not adhered to the relevant guidelines, you may be able to get the goods back without even having to pay the debt. If you need expert advice, you may wish to consider contacting the Citizens Advice.
How to Deal with Contact from Cumbria Bailiffs Limited
If you are struggling to deal with Cumbria Bailiffs Limited there are some actions you can take to sort out your situation. Regardless of your situation, there is always a way to deal with your debt. These are some things to consider:
Don’t be tempted to just ignore them
It can be tempting to ignore the contact from Cumbria Bailiffs Limited, especially if you are unable to pay back the debt. It can feel like if you just ignore them, the debt will go away, but this is far from the case. You may also end up with additional charges, if they are forced into taking action in other ways, such as visiting your property. These are some possible charges you may end up with.
- Compliance – £75. This is the cost of sending out an enforcement notice with a request for payment
- Enforcement – £235 (or 7.5% over £1500). The charge for having to visit your home or business to recover the debt.
- Sale of goods – £110 (or 7.5% over £1500). The potential cost of having to sell your goods.
You should try to take action by replying to any letters or calls you receive from Cumbria Bailiffs Limited before they get the chance to come to your property. The sooner you deal with your debt, the better. Make sure you are liable for the debt, before you pay anything.
Do you really have this debt outstanding?
If you are unsure if the debt belongs to you, you should make sure you get evidence that it belongs to you, and that it is accurate. It could be that the debt belongs to someone else and there has been an error, or you have paid the debt already and they have failed to update their system correctly.
In cases where you have not made any payment to your account in six years, or this is the time since you last spoke to the creditor, you may not be liable to pay the debt. Any creditor should undertake an affordability test before they give you funds, and if they have failed to do this, you may not need to repay the debt.
Pay your debt
If you receive proof that the debt does belong to you, and Cumbria Bailiffs Limited are able to provide you with clear evidence, you would be liable for the debt. If you are able to, it is advisable to just clear the debt off, as this will prevent further action from taking place, and you can just get on with your day to day life, without the worry. If you do pay the debt, make sure you receive a receipt incase you need proof in the future.
Don’t worry if you can’t pay the debt in full, as you should be able to agree on a suitable repayment plan to clear it. In the first instance, you should contact Cumbria Bailiffs Limited and explain your financial situation. They should allow you to pay in instalments, without any additional fees.
Do You Need Help to Deal With Cumbria Bailiffs Limited
You can get help to deal with Cumbria Bailiffs Limited if they have been in touch with you. The best thing to do is contact them as soon as you hear from them. If you do owe the money, you should try your best to just pay it all off, as this will stop them from taking further action against you. If you are unable to do this, there is help available from other organisations.
There may be the option to write off some of your debts. An IVA is available in Northern Ireland, England and Wales, and it allows you to combine all your debt into one. You would usually make one monthly payment, and benefit from paying at a lower rate. You also get the additional benefit of being able to write off some of the debt. There is also something similar in Scotland, called a Trust Deed.
An IVA isn’t the only option, you could also seek to sign up to a suitable debt management plan. These are variable depending on your circumstances, and typical debt management plans include consolidation loans, and bankruptcy. You should discuss your situation with a professional, if you are unsure which option to choose.
There is the option of contacting the Citizens Advice if you would like some advice on dealing with Cumbria Bailiffs Limited. They can provide you with experts who are highly trained on dealing with such matters, as well as many others. They also provide the advice free of charge and can help you prepare for any contact.
Reviews of Cumbria Bailiffs Limited
You can look at the Trustpilot reviews of Cumbria Bailiffs Limited to find out more information on them. There is a lot of negative comments about the company, including that they are bullies and have mistreated many customers. If you are in a situation where Cumbria Bailiffs Limited have not treated you fairly, you have every right to make a complaint. You can contact the Financial Ombudsman Service to take the matter further.
Cumbria Bailiffs Limited – Final Words
Dealing with debt is extremely distressing, and bailiffs are the worst to deal with as they can enter your property. If you are dealing with Cumbria Bailiffs Limited and you are not sure what to do, you should understand your legal rights. It is important that you don’t just ignore the calls or any other correspondence you received from them, even if you don’t owe the debt or it has been sent in error. If they visit your home, you should make sure they have all the relevant paperwork and a warrant, if they are trying to force entry. You should contact the head office if anything doesn’t seem right.
Do I have rights if a bailiff comes to my property?
You don’t have many rights unfortunately, but they cannot visit you before 6am or after 9pm. They also need to give you 7 days notice of their plans to visit. They are not allowed to use force to gain entry.
Is there a limit on how many times a bailiff can visit?
There is no limit on the number of times a bailiff can visit your property. The restrictions are only on the times they can visit.
Can I refuse to let bailiffs into my home?
You can refuse entry to the bailiffs. However, they may just get a locksmith in to gain access to your property while you are out.
Will the bailiff break down my door?
The bailiffs do not have the right to break down your door. If they need to get into your property, they should use a locksmith. They are only allowed to enter through the door, not through windows etc.
Can bailiffs remove my car, if I need to use it for work?
Bailiffs can take your car, even if you will require it for work. Even if you try to hide the vehicle, by parking it somewhere else, they are used to this behaviour.