Reventus Enforcement Agents Debt – Should You Pay?

Are you puzzled about a debt from Reventus Enforcement Agents? Do you need to pay it? Is it real? Are you worried because you can’t afford to pay?

You’re in the right place. Every month, over 170,000 people come to our website for advice on debt problems. 

In this helpful guide, we’ll cover:

•  Ways to confirm if the debt is yours (if it’s not, you don’t need to pay!).
•  If you can dispute or even ignore Reventus.
•  How to stop Reventus from chasing you so hard.
•  Your choices to set up payment plans and maybe even get rid of your debt.

Our team has dealt with debt collectors like Reventus Enforcement Agents, so we understand how scary it can be when they chase you. 

Don’t worry; we’re here to help you figure out how to deal with Reventus Enforcement Agents.

Why are they contacting me?

If you’ve received a letter from Reventus Enforcement Agents, you might be confused and anxious. It’s never nice getting a forceful message saying that you owe money.

So why are Reventus getting in touch with you? After all, you’ve probably never had dealings with them in the past.

As an enforcement agent, Reventus collect money on behalf of other companies. So, if you owe money to a company and have been ignoring letters and calls from them, they may pass it over to a company like Reventus.

Usually, you’ll have ignored a ‘final notice’ letter, which means the bailiffs can get involved.

It’s also possible that Reventus have bought the debt from someone else. So, the original creditor sells the debt for a fraction of its worth, and Reventus then make money by collecting the full amount, often by any means possible.

What to do if you’ve been contacted by Reventus

So, if you receive a letter from Reventus debt collection, what should you do? Below, we’ve outlined some of the steps you should take:

Be active

Don’t ignore Reventus. They’re not going to just go away or leave you to it. They will try and enter your home and recover property. Instead, you should gather all the information you can about the issue. Doing so will make things a lot easier in the long-run.

Contact them

You’ll want to be on the front foot when dealing with them. So, make sure to reach out to them. You might want to ask the original creditor to provide proof of your debt if they haven’t already. Legally, they have to show evidence and a clear breakdown of what you owe and from when. If they can’t, the debt isn’t enforceable.

Pay them

If you have the funds to make a payment and they have proof of your debt, you will need to pay it. As mentioned, you can either pay the full amount or try and come up with a payment plan that suits everyone involved.

Do I have to pay Reventus?

We are all responsible for paying our debts eventually. However, there are certain circumstances when you might not have to pay Reventus.

You should check to make sure that any documents you receive from them are accurate. For example, they may have the wrong details on, be for another person, or be for a debt you don’t actually owe. Compare their letter with your own records to make sure they match up.

Similarly, if the debt is an old one, you might not have to pay it. Certain types of debt that is over six years old might be what’s known as statute-barred. This means they’re not legally enforceable anymore.

A debt is statute-barred if neither party has acknowledged it or made a payment on it in at least six years. So if the creditor hasn’t contacted you or issued a CCJ in that time and you haven’t paid, it could be statute-barred.

» TAKE ACTION NOW: Fill out the short debt form

What happens if I can’t pay?

If you’re in financial difficulty and can’t afford to pay the entire amount upfront, the original creditor might settle for a payment agreement. This means you’ll make regular payments of a set amount until the debt is clear.

If you refuse to pay, however, things could escalate. As well as a CCJ and visit from the bailiffs, the creditor could petition you for bankruptcy. This would mean you have to sell off your assets to cover the cost of your debt. It also has a lasting impact on your future ability to get credit.

If the matter goes to court, you might have to defend why you can’t and won’t pay your debt. If you continually refuse without good reason, you could face time in jail. However, this only happens in the most extreme circumstances.

What are Reventus reviews like?

So, what do other people who have dealt with Reventus have to say about the company? Well, amongst bailiffs, they have a reasonably good reputation. Various industry bodies give them a good rating when it comes to their practice.

As for customers, as you might expect, things aren’t quite so glowing. On Google, they have a rating of 2.3 out of 5. On Trustpilot, they average 3.2 out of 5. When looking for Reventus reviews, there are also several forum posts about bad experiences dealing with the enforcement agents.

What powers do Reventus have?

There are certain legal powers that bailiffs have when it comes to debt collection. Thankfully, this means that you have certain rights and protections when interacting with them.

The most important thing to know is that bailiffs like Reventus have the power to visit your home to reclaim debts. If the court has permitted it, they can also take certain belongings to cover the cost of your debt. If you don’t let them in or agree to pay them, they can even take items from outside your home, such as your car.

However, it’s important to note that they can only take things like cash and ‘luxury’ items. This includes things like TVs, jewellery, antiques and games consoles.

Depending on the type of debt and how long you’ve refused to pay it, Reventus may be able to force entry into your house. They can only do this as a last resort, and can only use reasonable force to do so. In the following instances, they can’t enter your home:

• If you’re a vulnerable person, or only those under age 16 are in
• By barging or forcing their way past you
• Before 6am or after 9pm
• Though any opening other than your door.

Usually, they will only attempt entry for things like unpaid criminal fines, stamp duty or income tax.

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Should I let Reventus onto my property?

In most circumstances, you do not have to let a bailiff enter your home. Although they might try and pressure you or tell you otherwise, they can only force entry if they have the relevant paperwork. Essentially, if you don’t have unpaid tax debts or magistrates court fines, they can’t force their way in.

Even if they do have the right paperwork, they won’t be able to break down your door. They will usually employ a locksmith to gain entry.

So, what should you do if you get a visit from a Reventus enforcement agent? The first thing is not to panic. They should have given your written notice of their arrival. When they turn up, you’ll want to get proof of who they are, such as an ID or certificate. You’ll also need proof that they’re from Reventus, in addition to details of what you owe. Finally, they must have the necessary paperwork.

You don’t have to let them in to view these documents. Instead, you can ask for them through the door. Make sure to double-check all of the details. Unless they have the legal document showing they can force entry, you can ask them to leave. Tell them that you’ll contact head office or use the Reventus pay online service.

It’s worth noting that even if you do get rid of them first time, they will probably keep visiting until you settle the matter.

Other Debt Collectors 

You should check for more outstanding debts that you may have with other companies or debt collectors. Here are four steps you could take: 

1. Check your credit report for other defaults 
2. Check your email and post for reminders or overdue notices
3. Check the court records for CCJs against you
4. Check your bank statements for the names of other debt collectors 

There are hundreds of debt collectors in the UK and each works with different companies to collect debts.

For example, Cabot Financial have been known to collect for the DVLA while Lowell Financial and PRA Group buy debts from various credit card companies like Barclaycard.

If you see a name on your bank statement that you don’t recognise then you can search MoneyNerd to see if they’re a debt collector. 

Reventus Enforcement Contact Information

References

CONC 7.3 Treatment of customers in default or arrears (including repossessions): lenders, owners and debt collectors

CONC 7.9 Contact with customers