DGA Collections Ltd are bailiifs who will contact many people throughout the day, in an attempt to get them to pay back their debts. Debt issues are a major problem for some people, and having bailiffs contact them, can be extremely worrying and distressing. If you have received contact from DGA Collections Ltd bailiffs, it is because you have debts you have failed to repay.
It can be upsetting to have to deal with bailiffs, such as DGA Collections Ltd bailiffs, but you need to ensure you manage your debt situation. If you know how to deal with them, you will be in a much better position to be able to get a positive outcome. This article will help you understand who DGA Collections Ltd bailiffs are, how to handle them if they show up at your door, and what you can do to sort out your debt situation.
It’s not your fault. Complaints to the Financial Ombudsman have risen this year from 830 to 2,006, so it’s safe to say that you’re not alone.
Deal with your debt today and feel better tomorrow.
Who are DGA Collections Ltd?
Surrey-based DGA Collections Ltd are a relative newcomer having only started trading in 2018. The business is based in Surrey and is controlled by Dael Anglin and Graham Aldred.
They are a Certified Enforcement Agent authorised by Brighton County Court.
83 Laleham Road, Staines-Upon-Thames, Surrey, England, TW18 2EA
Also Known As:
DGA Collections LTD Limited
DGA Collections LTD Ltd
DGA Collections LTD Group
DGA Collections LTD Bailiffs
DGA Collections LTD Debt Collectors
DGA Collections LTD Debt Collection
DGA Collections LTD Agency
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What Is the Reason for the Contact by DGA Collections Ltd bailiffs?
If you have never spoken to DGA Collections Ltd bailiffs or in fact, never even heard of them before, you would be within your rights to be questioning who they are, what they want, and why they keep contacting you. It is hard to know exactly what they want, without speaking to them directly, but these are some of the likely reasons.
- You have outstanding debt with individuals, businesses or other organisations
- You have failed to pay your tax bill from HMRC
- There are unpaid credit card bills on your account, or payday loans
- You have defaulted on court fines
The original debt is passed to DGA Collections Ltd bailiffs from the original creditor, for instance HMRC. When the creditor has failed to get hold of you, they pass it over to these companies. This means that although the original debt is with a different company, DGA Collections Ltd bailiffs still have the right to try and track you down and encourage you to pay it. Some of the companies they may be contacting you on behalf of, include:
- Gas and electricity companies, such as Npower, or any other company.
- Mobile and broadband companies, which may include O2, Virgin Media and EE
- Local council debt, such as parking tickets
DGA Collections Ltd bailiffs will usually not just buy the debt individually, they usually purchase them in bulk from the original creditor. They are collecting the money to make a profit, and the more accounts they have, the more profit they can make. They pay just a small percentage of the value of the debt, and this can often be as little as just 20%.
Is There Any Way to Stop DGA Collections Ltd From Contacting You?
Companies like DGA Collections Ltd bailiffs can be extremely persistent in their quest to get payments and this is because they will lose money if they don’t get the money from you. If you ignore the contact from them, they may just turn up at your door. It is not a good idea to ignore them, as it will just escalate your situation. You should not bury your head about your financial troubles.
If you are due to receive court documents, notices or summons, DGA Collections Ltd bailiffs may be used for this purpose. If they are planning to visit your home, they should always give you 7 days’ notice of their plans to visit. The only way you can really stop DGA Collections Ltd bailiffs from visiting you is by contacting them and making arrangements to pay the debt back.
DGA Collections Ltd bailiffs cannot just do whatever they want, these are some actions they can’t take:
- They are not permitted to send you court forms that are made to look like court forms
- They cannot try and call you at unreasonable times, such as very early morning or late at night
- They must not contact you in a way that you have asked them not to
- They must be clear and not use jargon you don’t understand
If you wish to speak to DGA Collections Ltd bailiffs and try to resolve your debt issues, you can contact them via the number on their website or on the correspondence you have received from them. The sooner you speak to them and sort the situation out, the less likely they will be to pay a visit to your home.
If they are trying to make you pay debt that isn’t yours, you have the right to request that they prove it is yours, together with evidence. The Financial Conduct Authority’s guidelines have more information on this (see section 7).
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Do DGA Collections Ltd Have Any Powers?
DGA Collections Ltd bailiffs are a bailiff, which means they hold legal powers in relation to collecting your debt. You also have rights too, they don’t hold all the cards. It is important to know what your rights are, and what their rights are.
They have the right to go to your home to try and get the debt payments you owe. In addition to this, they may even have the power to go into your home and remove belongings to sell them all to cover the debt, if you can’t pay it back or you refuse to. If you won’t allow them access to your home, they could even take your vehicle from outside your property.
If you receive a visit from an agent from DGA Collections Ltd bailiffs, and you won’t pay the debt, they may take some goods from your home, for instance, your TV, games console etc. They may even resort to taking your jewellery.
In cases where you have not paid criminal fines, tax or other serious debts, they could force entry into your home. They won’t do this without careful consideration though. It is usually a last resort. There are some rules on what they can and can’t do in relation to this. These are some actions they are not permitted to take:
- Forcing their way into your property
- Entering your property when there are no adults at home, or vulnerable people are in the property
- Visiting your property between the hours of 9pm and 6am
- Entering your property in any other way than the door
How Do You Prepare for a Visit from DGA Collections Ltd?
You don’t need to let bailiffs into your property, unless it is extreme circumstances. For instance, you have failed to pay magistrates fines or you have outstanding tax debt. They will probably insist that they are allowed to enter your property, but this is not the case. Even if it is serious debts, they should be able to provide you with paperwork to support this. If they are permitted to access your property, and you don’t allow them to, they could get a locksmith out to try and get access. They are not allowed to break your door down though.
If someone from DGA Collections Ltd bailiffs turns up at your property, you should always request that they provide you with suitable identification. These are some of the acceptable forms of ID they can provide:
- Proof to show who they are, such as an ID badge or card.
- Proof of the company they are representing.
- Evidence of what you owe, together with a breakdown of all the costs
- Proof that they are allowed to force entry, such as a warrant or writ
You may not want to allow them to enter your property, and in which case, you can just request that they put the relevant documents through the door. Make sure you have a proper look at these documents, and check that they are in date and that all the information is correct.
If they are not allowed to enter your property, you may request that they leave, and in which case, you can sort out the issue with the DGA Collections Ltd bailiffs head office. You can arrange payment this way, or advise them of any details which are incorrect.
Unless you make contact with DGA Collections Ltd bailiffs, they will just keep trying to get the payment from you. You should either pay the debt, or prove that the debt does not belong to you. The sooner you speak to them, the better.
DGA Collections Ltd Have Taken Your Goods – What Next?
If you have allowed DGA Collections Ltd bailiffs to enter your property already, and they have taken some of your goods to cover the cost of the debt, you may be wondering if it is a lost situation. The answer is no – there is still ways you can recover your goods.
The most effective way to get the items back is to pay the debt off, before they have the chance to sell the goods. If this isn’t possible, the next best thing is to agree to pay the debt, via a suitable repayment structure.
In cases were the DGA Collections Ltd bailiffs agent has failed to adhere to the proper legal regulations, this would be another way to recover your goods. If you want further advice on this matter, you should contact Citizens Advice for more detail.
What Should You If Contacted by DGA Collections Ltd
If you are unsure what to do if contacted by DGA Collections Ltd bailiffs, these are some actions you should definitely take.
Answer their calls
Whatever you do, do not ignore the calls or letter you receive from DGA Collections Ltd bailiffs. Ignoring them will make your situation worse, and you can bet that they won’t give up without a fight! They may even add on some extra charges for the actions they need to take to recover the debt. These are some of the potential charges you could be faced with.
- Compliance – £75. This is the fee they may charge for sending out an enforcement notice with a request for payment.
- Enforcement – £235 (or 7.5% over £1500). They may charge this for visiting your property.
- Sale of goods – £110 (or 7.5% over £1500). The cost of having to sell your goods.
You should always discuss the debt with DGA Collections Ltd bailiffs, even if you don’t owe it, it is much better to sort the situation out than just ignoring it. The debt won’t go away, and you’ll end up with more stress and hassle.
Is this your debt?
If you have received a letter from DGA Collections Ltd bailiffs, but you are not entirely sure if this is legitimately your debt, then you should clarify this before you make any payment to it. The debt may belong to someone else with the same name, or they may not have updated their records to reflect payments you have made. It could just be an error, and you don’t owe it at all!
If six years has passed since you last made a payment to the debt, or this time period has passed since you spoke to the creditor, you may not be obligated to pay the debt. If you signed an agreement to take out the original credit, but you were pressured into doing this, you may not need to pay the debt back.
Deal with your debt
If you receive confirmation that you owe this debt, and it is within the relevant time period, you would be liable for it. If you are able to, the best thing to do is pay the debt. In doing this, DGA Collections Ltd bailiffs will get off your back and stop contacting you. This will give you one less thing to worry about. When you make any payments, you should request that the company provides you with a receipt, and you should make sure you retain these for any future queries.
Don’t worry if you can’t make the payment to clear the debt right away, you will be able to develop a suitable repayment plan instead. The best option is to speak to DGA Collections Ltd bailiffs and let them know what your financial situation is, and what you can realistically afford to pay back.
How to Deal with DGA Collections Ltd
If you are struggling to know how to deal with DGA Collections Ltd bailiffs, the best thing to do is contact them as soon as possible. If you owe the debt, you should try to pay it, even if it is in instalments. If you need some extra help in dealing with the bailiffs, there are many different options to consider, depending on your circumstances.
If you have serious debt problems, it may be worth considering an IVA, which is where you make one monthly payment towards your debt, and after a set period of time, the remaining debt will be written off. This option can prevent you from getting credit for some time in the future though.
There are also other debt management options available, and the best choice will depend on your individual situation. These include, a debt management plan, consolidation loans, and in the worst case scenario, bankruptcy. You should definitely seek professional advice before deciding on the most suitable option for you.
If you need help dealing with the correspondence you have received from DGA Collections Ltd bailiffs, you have the option of speaking to an advisor at the Citizens Advice. They have highly skilled experts who will offer advice and support in dealing with your debt.
Making a complaint
You only need to have a quick look at Trustpilot reviews of DGA Collections Ltd, and you will see some very negative report. There are many different words used, but these include the harsh word “bullies.” If you believe that DGA Collections Ltd have failed to treat you properly, you will hae the right to make a formal complaint.
If you want to complain to the bailiff company you can use our free letter template which outlines exactly what you should say.
If DGA Collections Ltd fail to respond to this matter appropriately, you have the right to escalate the matter to the Financial Ombudsman Service who will deal with it on your behalf.
DGA Collections Ltd – The Conclusion
No one wants the stress of dealing with enforcement agents like DGA Collections Ltd. It can be extremely stressful. It is important to know where you stand, and what rights you have. Do not just ignore the correspondence from DGA Collections Ltd bailiffs, make sure you speak to them and advise them of your situation – no matter what that may be. If the debt doesn’t belong to you, you should contest it, rather than ignoring it.
What rights do I have if they turn up at my door?
Bailiffs are only permitted to visit your property between the hours of 6am and 9pm and they should also give you at least 7 days notice of their plans to visit. They do not have the right to use force to enter your premises.
Is there a limit on how many times the bailiff can visit?
There is no limit on how many times the bailiff can visit you. The restrictions are only on the hours they are permitted to visit.
What happens if I refuse entry to the bailiffs?
If you refuse to let the bailiffs enter your property, there is every chance that they will get a locksmith to try and gain entry.
What if the bailiff breaks down my door?
Bailiffs do not have the right to break do your door. If they decide they need to enter your property, and you won’t give them access, they may get a locksmith.
What if the bailiffs takes my car and I need it for work?
Bailiffs have the right to take your car, if you won’t allow them access to your property, even if you require this for work. They may even find it if it is parked on another street; they are used to every trick in the book!