DH Bailiff Services Debt – Do You Need to Pay? 2022
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DH Bailiff Services will speak to many people about their debts, each and every day. No one particularly wants to hear from debt collectors, but that doesn’t mean you should ignore them. If you have outstanding debts, you are likely to be contacted by debt collection agencies or bailiffs at some point, as they will try to recover the debt.
Dealing with contact from bailiffs is far from pleasant, but if you have debt, then it’s something you need to deal with. This article will look at debt problems in more detail. You will find out more about DH Bailiff Services and how to deal with any contact you receive from them. Hopefully, it will offer a bit of reassurance!
Beating Debt Collectors
There are several ways to deal with DH Bailiffs and improve your finances.
Choosing the right way to tackle your debt could save you time and money, but the wrong one could cause even more harm.
It’s always best to find out about all your options from a professional before you take action.
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Who are DH Bailiff Services?
DH Bailiff Services Ltd were based in Kidderminster, Worcestershire, and were authorised as Certificated Enforcement Agents by Worcester Combined Court.
The company were formed in July 2012, but dissolved in April 2014. They were run by Heather Hunter.
61 Habberley Road, Kidderminster, Worcestershire, England, DY11 5PN
Also Known As:
DH BAILIFF SERVICES Limited
DH BAILIFF SERVICES Ltd
DH BAILIFF SERVICES Group
DH BAILIFF SERVICES Bailiffs
DH BAILIFF SERVICES Debt Collectors
DH BAILIFF SERVICES Debt Collection
DH BAILIFF SERVICES Agency
Why Do They Want?
If you haven’t heard of DH Bailiff Services, you may be wondering whether they are legitimate and have the right to chase you about the debt. It is safe to say that they are a legitimate company, so you should not ignore the contact you receive from them. These are some of the possible reasons they could be contacting you:
- Debts you have failed to pay back. This may be individuals, businesses, as well as other organisations
- Tax bills you have failed to pay or tax credit overpayments from HMRC you have not paid back
- Unpaid credit card and payday loan debts
- Defaults on court fines
The debt is passed to companies like DH Bailiff Services, as you have failed to contact them to make repayments, and this is done as a last resort. It means that the original creditor has tried to contact you, but to no avail, and as specialists, they pass it over to the debt collector. They don’t particularly care if you pay it back, as the debt collection company has purchased the debt, and whatever happens after this is not the concern of the original creditor. These are some of the typical types of companies they may work on behalf of.
- Utility companies, including such well-known companies as Npower, United Utilities and other gas and electric suppliers
- Mobile phone companies, or broadband, including O2, Virgin Media and EE
- Local council, such as parking ticket debts
DH Bailiff Services will not usually buy the debt individually, as it would not be worth their while. Instead, they purchase it in bundles, so they can make a good profit. They only pay a fraction of the price for the debt, and any payments they get back thereafter, will be profit. It is a good way of making money, without the debt collector having to do much.
I Want to Stop DH Bailiff Services From Making Contact – What Do I Do?
The only real way to stop DH Bailiff Services from contacting you is to pay your debt, or at least have an open and honest discussion with them about your finances. There may be the temptation to ignore them and hope they disappear, but they won’t, and neither will your debt. Always make sure you communicate with debt collectors and bailiffs, otherwise the situation is likely to escalate.
It may be the case that the bailiffs, such as DH Bailiff Services have been used as a means of serving you with court documents, or to hand over a notice or summons. They should always give you notice prior to turning up at your home, and this would usually be 7 days. If you pay your debt or set up an arrangement with them to pay it back, they won’t turn up at your door, and they will stop chasing you.
Bailiffs like DH Bailiff Services don’t have free reign to do what they like, there are some rules and regulations on what they can and can’t do. These are some things they must not do as part of their debt collection
- Sending letters that are deliberately made to look like court documents
- Attempt to call you at times which would be deemed as unreasonable, such as very early morning or late at night
- Try to contact you in a way you have advised them not to. For instance, when you are at work
- Use technical terms to try and confuse you
Your first action should be to speak to DH Bailiff Services and if you need to locate their details, you will find these on the correspondence they have sent, as well as on their website. You should try to resolve this matter as quickly as possible, as this will reduce the likelihood of any further charges.
If DH Bailiff Services are attempting to get you to pay back debt which isn’t your or you are unsure about, you should ask them to provide you with evidence.The Financial Conduct Authority’s guidelines have more information on this (see section 7).
Do DH Bailiff Services Hold All the Cards?
You may be wondering if DH Bailiff Services can do what they want as far as entering your home and collecting the debt, but it is definitely a two way street, and they cannot just do what they want.
As they are bailiffs, they have the right to visit your home and attempt to collect the unpaid debts. They can even take some of your belongings as repayment, if you refuse to pay up. They may even take goods from outside your home, such as your vehicle, if you will not make an arrangement to repay the debt.
In some cases, they will take goods that they would describe as ‘luxuries’ but are everyday items to you, such as your game console or your TV. They may look for items worth the value of the debt, such as antiques, depending on what the value is.
In more serious cases, such as if you have failed to pay criminal fines, or your tax bill, they may be able to force entry into your home, although they wouldn’t take this step lightly. If it is just standard debt, there are some things bailiffs must not do, and these include:
- Forcing past you and into your home
- Trying to enter when only young people are home or those who are classed as vulnerable
- At unsociable times, such as after 9pm or before 6am
- Enter your property in any other way other than through the door.
How to Deal with a Visit from DH Bailiff Services
It can be quite nerve wracking to have to deal with bailiffs, but you should know that you are under no obligation to let them into your property, unless it is extreme circumstances. This includes unpaid court fines, or tax debts. In this case, they must be able to provide support paperwork of the debt and their right to enter your property. If you refuse entry and to pay them, they may get a locksmith to gain access, but they will not be able to break the door down.
When you have been visited by DH Bailiff Services, you should ask them to provide you with identification. Anyone can turn up at your door and pretend to be a bailiff, so this is vital. These are some types of ID they should be able (and willing) to provide.
- Proof to show who they are, including their name. Some suitable types of ID are an ID card, or a badge
- Proof to show who they are representing, letters etc with your debt
- Proof of the debt, including a breakdown with any fees or charges
- Evidence of their ability to enter your property, such as a warrant
You don’t need to let them into your property, you can just ask them to pass the documents through the letterbox. If you are concerned about anything on the paperwork, ask them to leave and contact the head office instead. You can also arrange to pay back the debt in this way.
You must speak to DH Bailiff Services over the phone and sort the situation out, if you can’t do it when they are at your property. The debt won’t go away, and in fact, the situation will continue to get worse as you will end up with the debt becoming increasingly inflated!
DH Bailiff Services Have Taken My Goods – What Can I Do?
You may be sitting here worrying, as you’ve already let DH Bailiff Services take some of your goods, and you might be wondering if there’s any hope of recovering them. The good news is that there is, but you must deal with the situation as quickly as possible.
The simplest way to deal with this and get your goods back is to arrange to pay the debt or to arrange a suitable repayment plan. You may even be able to buy the goods back to clear off the debt.
If you find that DH Bailiff Services have not followed the legal procedure, you may be able to recover your items as a result of this. You will be able to contact Citizens Advice to get more information.
Dealing with the Contact by DH Bailiff Services
If you have been contacted by DH Bailiff Services, these are some things you should consider when dealing with them.
Discuss your situation
It may seem obvious, but don’t be tempted into just ignore the contact from DH Bailiff Services. If you do this, you will just end up with relentless calls and even letters demanding payment. It is better to speak to them, and try to resolve the situation in one way or another. If you do ignore them, they may add extra fees, depending on how they need to manage the situation. These may include:
- Compliance – £75. This charge will be added to your account if they need to send an enforcement notice with a request for payment.
- Enforcement – £235 (or 7.5% over £1500). This is a charge when they need to visit your home or business and take goods for payment.
- Sale of goods – £110 (or 7.5% over £1500). The charge for taking goods and selling them.
Even if you don’t believe the debt is yours, you should always speak to DH Bailiff Services and advise them on the situation. The last thing you should endeavour to do is ignore them, as they won’t just get fed up and disappear!
Find out if it is your debt
You should always ensure that the debt you are being asked to pay, belongs to you. It could be that the debt actually belongs to someone with the same name, or you may have already cleared the debt, and it is in an error on behalf of the debt collector. You should always ensure the debt is yours, before you start thinking about repayment.
If the debt belongs to you, and six years has passed since you made a payment, or last spoke to the original creditor, you might not be required to pay the debt. If you believe that you have been pressured into signing an agreement for the credit in the first place, or no affordability test was completed, you may not need to pay the debt back.
Clearing your debt
If DH Bailiff Services are able to prove that the debt is yours, and it is within the relevant period of time, you will be liable to pay it. If you can afford it, it is a good idea to just clear the debt. In doing this, the debt collector will stop trying to contact you, which takes an extra worry of your mind. If you do clear your debt, always ensure you have proof of payment, should you require it in the future.
Don’t worry if you can’t make the full payment, as in most cases, the debt collector will be able to agree to a repayment plan. Contact DH Bailiff Services and advise them of your situation. They may stop adding on extra charges if you devise a suitable plan to pay the debt back.
Help and Support in Dealing with DH Bailiff Services
Debt can be a serious problem for many and if you are struggling with DH Bailiff Services or any other debt collectors, you are not alone. There are many people in the same predicament. There is always help available though, no matter how dire your situation. The important thing is taking steps to deal with your debt. These are some of the organisations who may be able to help.
An IVA is most suited to those who have serious debt. It is available in England, Northern Ireland and Wales, with a similar arrangement in Scotland, called Trust Deed. With an IVA, you make one monthly payment towards your accumulated debt, and within five years, the remaining debt is written off.
The IVA can be quite harsh, and there are other debt management options you may want to consider. You could enter into a debt management plan, or get a consolidation loan. There is also the option of bankruptcy. You should speak to experts before deciding which option is best suited to your own situation.
This is an organisation with highly skilled experts who can provide you with free help and advice in dealing with DH Bailiff Services and similar companies. They can take a look at any correspondence you have received and advise you on how to deal with these.
Making a complaint
If you are in contact with DH Bailiff Services, you are not alone. Have a quick read at the Trustpilot reviews of DH Bailiff Services.
If you are dealing with DH Bailiff Services and they are failing to treat you in a positive way, you have the right to make a complaint. In the first instance, contact DH Bailiff Services to complain and if you don’t receive an appropriate response, you may take it further to the Financial Ombudsman Service. They will take over the case on your behalf.
DH Bailiff Services Summary
Debt enforcement agents such as DH Bailiff Services are not pleasant to deal with. You are not alone in your situation, there are many people, just like you, who are also struggling with debt issues. The important point is to deal with your issues, and don’t just ignore DH Bailiff Services. If you ignore them, the situation will get progressively worse. Always speak to them, no matter what your financial situation may be. If they turn up at your home, you are not obligated to let them in, unless they can provide a warrant or writ which is court-certified. You can turn them away and advise them that you will contact the company, and pay the debt directly or inform them that it is not your debt, or whatever the situation may be.
What rights do I have when dealing with bailiffs?
You should know that bailiffs are not allowed to come to your home between 6am and 9pm, and if they do decide to visit, they must provide 7 days notice. They should also not force their way into your property.
Is there a maximum number of times a bailiff can visit?
There is no limit on how often a bailiff can come to your home. The only restriction is on the times, before 6am and after 9pm.
Can I refuse to let bailiffs in?
You can refuse, but they may turn up with a locksmith to try and get entry. This will usually only happen if you refuse to pay up.
Will the bailiff break down my door?
Bailiffs do not have the right to break down your door. If they have the right to access your property and you refuse, they must use a locksmith.
Is the bailiff able to take my car, even if I need it?
The answer is yes, they can, even if you need your vehicle for work. You could try and leave it on another street, but they will probably still track it down, as they are familiar with these kinds of tactics! The only option to get around this is placing it on private property that isn’t yours.