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Direct Collection Bailiffs LTD – Should You Pay? 2022

direct collection bailiffs ltd

For free and impartial money advice and guidance, visit MoneyHelper, to help you make the most of your money.

Just because Direct Collection Bailiffs Ltd are on TV doesn’t mean they have any additional rights. There are times when you should try to pay DCBL, and there are other times when you can fight back. We discuss whether you have to pay Direct Collection Bailiffs Ltd here. 

Beating Debt Collectors

There are several ways to deal with Direct Collections Bailiffs Ltd 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 Direct Collection Bailiffs?

Direct Collection Bailiffs Ltd (DCBL) is one of the most well-known debt collection businesses in the UK. They’re so well-known because they have featured on TV shows, which have since made their way to Netflix. 

They provide two main services to clients. They can attempt to collect debts that are not subject to a court order (yet). Or they collect debts that have been subject to a court order, meaning the debtor is legally obligated to pay. They perform these services in two contrasting ways due to the legal powers they have in each situation. 

When chasing debts not subject to a court order, they will contact you repeatedly asking you to pay, often with the threat of legal action if you don’t. But when chasing debts subject to a court order, they can send enforcement agents to your home to collect the debt. And if you don’t pay, they can repossess your goods to be sold and clear the debt (or some of it).

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Who do Direct Collection Bailiffs Ltd work for?

Direct Collection bailiffs Ltd work for a vast number of clients from many different industries. They chase debts for individuals, small and large businesses. As High Court enforcement agents, they also work for the High Court to execute a High Court judge’s orders.

On their website, they claim to recover around £75 million in unpaid debts and arrears every year! 

Direct Collection Bailiffs Ltd parking charge

Direct Collection Bailiffs Ltd works for a lot of private companies that have issued private parking fines, also known as Parking Charge Notices. These shouldn’t be confused with council parking fines. 

They will chase unpaid parking fines on the private company’s behalf and threaten legal action. They do this by sending you a letter demanding full payment. 

Can I ignore a DCBL letter?

You should never ignore a letter from Direct Collection bailiffs Ltd. You might read some advice online telling you it’s okay to ignore their letters, but there is better and less risky action you can take. 

Before we get into it, you need to know the two main types of letters you could receive from Direct Collection Bailiffs ltd…

DCBL Letter Before Action

Direct Collection Bailiffs Ltd will send a letter to debtors when they are chasing a debt that isn’t subject to a court order. These letters will:

  1. Explain the debt owed
  2. Demand full payment
  3. Tell you to get in touch to discuss payment options and plans
  4. Threaten you with legal action if you don’t pay by a deadline

They’re called a Letter Before Action (LBA) because they give you a chance to pay before further action is taken. They’re mandatory before taking you to court. There is no way of knowing if the legal threats are real or just a scare tactic to encourage you to pay, which does work a lot of the time!

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DCBL Notice of Enforcement

A Notice of Enforcement is the other important letter you could receive from Direct Collection Bailiffs Ltd. This is a letter sent to a debtor who has a debt that is subject to a court order, which they’ve ignored. 

Enforcement agents must send this letter before showing up at your property. They give notice of the intention to come to your home, but give you seven days to make a payment or agree on a payment plan (if offered) first. 

By just sending this letter, they add £75 to your debt. And if they come to your home they add at least another £235. 

Do I have to pay Direct Collection Bailiffs Ltd?

You have to pay Direct Collection Bailiffs Ltd if they are chasing a debt that is already subject to a court order, in which case you should have received a Notice of Enforcement. It’s best to pay before they come to your home to avoid further expensive fees. 

You don’t have to pay Direct Collection Bailiffs Ltd straight away if they are chasing you for a debt that isn’t subject to a court order, in which case you should have received a Letter Before Action. You might end up having to pay this debt to avoid legal action, but there is something you can do first. Read on!

Sending a prove the debt letter

When you receive a Letter Before Action, you should reply by asking Direct Collection Bailiffs Ltd to prove you owe the debt. They’re obligated to provide you with evidence that you owe the money. This evidence should be a copy of a signed agreement you defaulted on or a signed contract when possible. 

You don’t have to pay until they prove you owe the money, so it’s also a good tactic if you think there has been a mistake. If they don’t prove the debt and you end up being taken to court, you can tell the judge that they failed to provide evidence. 

Is your DCBL debt statute-barred?

The only time you shouldn’t send a prove-the-debt letter is when the debt has already become too old to be collected. A lot of debts cannot go to court when they’re at least six years old. Learn more about statute-barred debts and if yours qualifies here

Should you pay Direct Collection Bailiffs Ltd? (Quick recap)

You should make an effort to pay or agree on a payment plan if they’ve sent you a Notice of Enforcement. You might end up having to pay if they’ve sent you a Letter Before Action, but you can ask them to prove the debt first, which could get you off the hook. 

Worried about DCBL enforcement agents?

If you’re worried about the prospect of facing DCBL bailiffs, then why not brush up on your rights by speaking with a debt charity or Citizens Advice. We’ve also got some free tips and information to prevent you from getting into more arrears on our debt help hub.

Are you struggling with debt?

Affordable repayments

Reduce pressure from people you owe

Stop interest and charges from soaring

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